My impression is that the revoked permissions do not persist. Rather, an interactive window running under the user’s name has implied access to the user’s home folders, regardless of what’s been set under “Files & Folders” (which still applies for background/non-interactive processes).

I could absolutely be missing something here, but the title would be accurate in saying, “MacOS ACLs aren’t terribly intuitive”. But I think the behavior they’re documenting is intended behavior.