The problem with disabling SIP is that (AFAIK) it also does a lot of useful/important things (for instance protecting the system folders).

Simply disabling it globally isn't really a good solution to the problem. Neither signed nor unsigned, notarized or un-notarized apps should ever be allowed to write to those folders, no matter if SIP is on or off.

OTH preventing an app to read/write subdirectories in the user's home folder is definitely not a useful feature.