There was an answer to "Execute vs Read bit. How do directory permissions in Linux work?" regarding setting a directory permission to 5 (-R-X) value. It was said it "5: Allow reading / writing, but not altering the structure of the directory tree itself."
If I set my newly created test folder to 0570 I get the following:
dr-x-rwx---. user user test1 [user@server1 test1] touch file1 touch: cannot touch 'file1': Permission denied
Now the 'user' account is in the 'user' group so I figured if I have rwx perms as user group I could write files still. Is that not the case?