Add option to disable 077 umask (create new files with system default umask)
Add option to disable 077 umask (create new files with system default umask)

The option is only effective for either wallet-less builds or if
-disablewallet is specified as well.

Rebased-By: Wladimir J. van der Laan <bbc07dc96bb50bf6868a2ddfc4dae14fbed703d9@gmail.com>
Rebased-From: 34d5fc0 4e1a196 bd4307b d53a33b 7e09b36
Github-Pull: #4286

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