/public_html/ is NOT a file. It's a directory. It is the 'root web folder' for your domain and is where your 'files' must reside by default. If visitors type your domain name only (eg: www.yourdomain.com), then the index.htm which should be in that root folder will load in their browser. If you upload to a folder named 'xara' - then your visitors will have to types www.yourdomain.com/xara - but how can they know you did this? No, this is wrong information you have got.
Follow Gary's lead for Network Solutions.
Xara does it in HTML too.The original designer of my website did it in html.
IOW: You design it in Xara - Xara makes it HTML when your export and publish. The web server doesn't care about this and neither do browsers, they simply read HTML and that's exactly what xara creates from your designs.
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