Strange, my first reply ended up in the forum above your question Stuart_M . Maybe I opened the editor just before your message appeared, or something.(ok, seems to be just the edit window that lists older posts below)
Anyway, concerning a proper solution for this forum thread:
With each user having their own user-private-group in Debian (and thus MX Linux), the umask should actually be *relaxed* to 002 (from the current 022).
It's much better to augment the /home directory tree with subirectories with proper permissions and adjust $HOME accordingly (like the
brush-up-groupdirs script is doing).
A default umask of 002 is possible and preferable, because:
1) The default umask can grant the full and same permissions to the group as to the user, because only the user itself is member of its own default private-user-group.
2) The default umask can grant "others" the file read permissions, if the access to the file is properly restricted by the permissions of the directory path, by default, where needed (i.e. /home/JDoe/private etc.). And this allows public places like /home/JDoe/public_html to work as expected without having to manually adjust file permissions.
3) And as files created in group directories will get their group ownership assigned to the directory's group instead of to the creating user's private group (special-cased "set-user-id" dirs), the same default 002 umask is also able to assign the proper group permissions to the files in group directories.