Ah the wonders of 022 umask. Personally I would always recommend making files unreadable to other users. If not for all files then at least significant director

Ah the wonders of 022 umask. Personally I would always recommend making files unreadable to other users. If not for all files then at least significant directories like everything under /home, etc. It may require more fiddling with group memberships, but it's well worth it.