In my opinion home folders shouldn't be world readable (why does GUI create a public folder in one's home directory if everybody can read everything?).
On macOS subfolders like Documents, Music, ... aren't world readable (and in my opinion the entire home folder shouldn't be world readable, there should be a separate public folder somewhere outside of the home folder if someone really wants to use it).
Sorry that I hadn't noticed your home folder policy as stated in https:/ /wiki.ubuntu. com/SecurityTea m/Policies
GUI respects /etc/adduser.conf setting.
useradd doesn't (useradd != adduser, I know).
In my opinion home folders shouldn't be world readable (why does GUI create a public folder in one's home directory if everybody can read everything?).
On macOS subfolders like Documents, Music, ... aren't world readable (and in my opinion the entire home folder shouldn't be world readable, there should be a separate public folder somewhere outside of the home folder if someone really wants to use it).