mechanic1357 wrote:
Changing the setting in System Settings certainly messages users, if no effect why bother with a menu setting? If there is a purpose please share.
There is a big difference between simply navigating to a hidden folder (e.g. ~/Library) vs. giving Terminal Full Disk Access.
Finder enables one to navigate around the contents of a drive. It cannot do things that Terminal can do. And giving Full DIsk Access to Terminal allows it much greater reach across the system than without it.
Full Disk Access is part of macOS security. Apps must obtain user consent before accessing files in Documents, Downloads, Desktop, iCloud Drive, and network volumes; in these cases consent may be granted when prompted by the app. Apps that need or require access to the full storage device, however, must be explicitly granted permission via Full Disk Access.
It is not a good idea to give any app Full Disk Access unless you understand exactly why the app needs it and you are confident that it will only do what it purports to do with Full Disk Access.
See Controlling app access to files in macOS - Apple Support for more details.