I confirmed Terminal did NOT have full disk access - no apps had FDA. Prior to upgrading to Sequoia I can confirm Terminal did have full disk access.
I never checked FDA yesterday but I did notice FW was blocking Terminal and I was unable to remove the app while using the GUI. I was able to correct using the cli...
#Apple Firewall Commands
#FIX Terminal
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --listapps
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --setglobalstate off
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --getglobalstate
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --remove /System/Applications/Utilities/Terminal.app
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --add /System/Applications/Utilities/Terminal.app
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --unblock /System/Applications/Utilities/Terminal.app
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --getglobalstate
sudo /usr/libexec/ApplicationFirewall/socketfilterfw --setglobalstate on
With FDA, I'm assuming I wouldn't need to correct the odd FW Terminal block.