[chungy]

Those files are not in optional locations. You could possibly symlink from ~/.bashrc to ~/.config/bash/bashrc, but what's the point of that?

[toolz]

Not completely true. You can launch bash with the --init-file flag and put the bashrc file wherever you'd like. Could even change /bin/bash or whatever your default shell is to be a script that launches bash with that flag provided.

[pbhjpbhj]

Is there a simple way to maintain that through updates?

[toolz]

was curious and found this https://hiphish.github.io/blog/2020/12/27/making-bash-xdg-co...