> but i will still get the "wrong" permission setting when uploading via > ftp.
You need to convince the ftp daemon on the server to use a different umask, and the ftp daemon does not read your .profile or .login file (since it's not a shell and does not know how to parse shell scripts).
Read the documentation for the ftp daemon. See if you can change the umask, either with an entry in a configuration file or with some special "site" command sent from the ftp client, such as:
site umask 022
or perhaps a chmod command to fix the permissions after an upload:
site chmod o+r file
Ken Pizzini
http://www.wu-ftpd.org/wu-ftpd-faq.html#IDX71
The default umask is inherited from inetd. This can be a wrong one. There is a command line parameter -u. Edit the line in inetd.conf to something like ftpd -A -L -l -u077.