> A permission that make apps ask for and others need to work (e.g. a terminal replacement).

I assume you mean 'many' and not 'make'—this is untrue; you only need to grant FDA if you're trying to access protected areas, like the knowledge graph store.

Granting full disk access to an app that you don't trust not to surreptitiously exfiltrate your data is the kind of user error where the buck stops with PEBCAK.