See exactly what permissions new files and directories get from a umask.
umask 022 → files 644, directories 755
The execute bit is stripped from new files no matter the umask, so a script you create still needs an explicit chmod +x. Directories keep execute, which is what makes them traversable.
Default for new directories (777)
What the system would grant with no mask at all
The mask itself (022)
Every bit set here is removed from the defaults above
Result — directories 755
What a new directory actually gets
Result — files 644
Files start from 666, never 777 — the execute bit is never granted automatically, whatever the umask says
What this cannot tell you
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