I'm not a PAM expert, but can perhaps provide an interesting data point.

In Debian Edu, we provide the following /usr/share/pam-configs/edu-umask to
ensure the umask is set to 002:

  Name: umask set at login (Debian Edu version)
  Default: yes
  Priority: 0
  Session-Type: Additional
  Session:
        optional                        pam_umask.so umask=002

Perhaps the default setup should have a similar line?  I see from the
pam_umask manual page a new 'usergroups' option is now available.  As far as
I remember, it was not available when I created the edu-umask pam-config. It
seem to provide the setup wanted by Debian Edu, so perhaps Debian Edu should
switch to pam_umask.so usergroups?  CC to the debian-edu@ list to make everyone
there aware of the option.

-- 
Happy hacking
Petter Reinholdtsen

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