On my Linux Mint 19.1:
```bash
$ umask
0022
```

After the first run of `bitcoin-qt -sysperm=false` the `0700` permissions are expected for both the datadir (`~/.bitcoin`) and the walletdir (`~/.bitcoin/wallets`).

Actually, the directories are created with such access permissions:
```bash
$ stat ~/.bitcoin | grep Uid
Access: (0755/drwxr-xr-x)  Uid: ( 1000/ hebasto)   Gid: ( 1000/ hebasto)
$ stat ~/.bitcoin/wallets | grep Uid
Access: (0755/drwxr-xr-x)  Uid: ( 1000/ hebasto)   Gid: ( 1000/ hebasto)
```

Refs:
- #4286
- #13371
- #13389

NOTE: reading through the initial PR #4286 makes me think it was controversial. Is it a better and simpler way to just get rid of `-sysperm` option? I believe a user who needs this option can easily run `chown` command.
if (const auto err{ApplyArgsManOptions(args, chainparams, mempool_opts)}) {
        return InitError(*err);
    }
    mempool_opts.check_ratio = std::clamp<int>(mempool_opts.check_ratio, 0, 1'000'000);
    int64_t descendant_limit_bytes = mempool_opts.limits.descendant_size_vbytes * 40;
    if (mempool_opts.max_size_bytes < 0 || mempool_opts.max_size_bytes < descendant_limit_bytes) {
        return InitError(strprintf(_("-maxmempool must be at least %d MB"), std::ceil(descendant_limit_bytes  1'000'000.0)));
    }
    LogPrintf("* Using %.1f MiB for in-memory UTXO set (plus up to %.1f MiB of unused mempool space)\n", cache_sizes.coins * (1.0  1024  1024), mempool_opts.max_size_bytes * (1.0  1024  1024));
    for (bool fLoaded = false; !fLoaded && !ShutdownRequested();) {
        node.mempool = std::make_unique<CTxMemPool>(mempool_opts);
        node.chainman = std::make_unique<ChainstateManager>(chainman_opts);
        ChainstateManager& chainman = *node.chainman;
        node::ChainstateLoadOptions options;
        options.mempool = Assert(node.mempool.get());
        options.reindex = node::fReindex;
        options.reindex_chainstate = fReindexChainState;
        options.prune = chainman.m_blockman.IsPruneMode();
        options.check_blocks = args.GetIntArg("-checkblocks", DEFAULT_CHECKBLOCKS);
        options.check_level = args.GetIntArg("-checklevel", DEFAULT_CHECKLEVEL);
        options.check_interrupt = ShutdownRequested;
        options.coins_error_cb = [] {
            uiInterface.ThreadSafeMessageBox(
                _("Error reading from database, shutting down."),
                "", CClientUIInterface::MSG_ERROR);
        };
        uiInterface.InitMessage(_("Loading block index…").translated);
        const auto load_block_index_start_time{SteadyClock::now()};
        auto catch_exceptions = [](auto&& f) {
            try {