Mikeslr raised a interesting point that fundamentally distils down to why is fatdog using umask 022 in /etc/profile instead of 027 (no access for 'others') ?
On a HDD frugal multi-session setup, where main and save files (sfs) are stored in /mnt/sda1/fatdog811 ... spot has access to those by default i.e. could copy those files to a hackers server for inspection at their leisure. umask 027 prevents such access to new/additional 'saves'.