I don't think that "single desktop computer" necessarily implies "single user computer" and even if it does, stuff gets copied around to other hosts, plus there's a variety of other file sharing methods. 027 will eventually cause inconvenience, which may, or may not, be desirable.
If you are using locate(1) utility, then keep in mind that locate(1) relies on locate.updatedb(8) to be functional, which in turn runs once a week.
The locate.updatedb(8) utility uses the user 'nobody', to build the locate(1) database. Thus if directories are not readable by user 'nobody', group 'nobody' or others (world) – which is the implication of the number 7 in the 027 umask, then there's a problem. In other words, locate(1) utility won't be able to find files which are resided on directories with 750 persmission, for example.
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