Permission question for a admin Home folder and the folders beyond

Wheel is only used on the Home folder itself. None of the standard folders have any group membership. However, in SL a newly created folder in the Home folder has staff assigned as the group. These behaviors have changed with different versions of OS X, and they also are affected, apparently, by whether you upgrade a previous system or do an Erase and Install. The staff group in SL is read-only, but in Panther, as I recall, it was read/write. Any changes have been brought about by security concerns and may have been changed by security updates over time. In fact at one point in time, can't remember when exactly, the defaults were you, you, and Other. Other has disappeared and changed to Everyone while the "you" group returned to staff (which it was originally.) Can't keep track of it all.

As for the Security guide (which is for OS X Server, not Client) the statement only means that by default a user is also a member of the staff group. It does not mean that staff is used by default for the group that is assigned to a particular folder or file, although that may be the case. I believe the intent (in context) is that if the server admin creates a file or folder in a user's Home folder and is going to assign a group, then the group should be staff rather than username. At least that's my interpretation.