Explain the extra chmod

There is confusion about what passing `0600` to File.open does.

```
$ touch /tmp/foobar
$ ls -l /tmp/foobar
-rw-r--r--  1 jacobvosmaer  wheel  0 Sep 26 14:20 /tmp/foobar
$ ruby -e 'File.open("/tmp/foobar", "w", 0600)'
$ ls -l /tmp/foobar
-rw-r--r--  1 jacobvosmaer  wheel  0 Sep 26 14:20 /tmp/foobar
$ 
$ 
$ rm /tmp/foobar
$ ruby -e 'File.open("/tmp/foobar", "w", 0600)'
$ ls -l /tmp/foobar
-rw-------  1 jacobvosmaer  wheel  0 Sep 26 14:21 /tmp/foobar
```

See merge request !6523