Is it not the main working branch
No it is not. On large distributed projects for which git was designed, you typically don't directly work on main/master but you create a working branch to do your changes, and when they are ready you merge them to main/master.
There are many types of git workflows, but main/master usually contains the code that is deployed to production or the latest stable release and not some work in progress.
When you start a new project, do you open a new branch or create a whole new repository?
You have to define "project" for that.
- Is your project a change to existing code -> new branch, merge to main/master when done
- Is your project something new that stands entirely on its own? -> new repository