I forgot to note that removing the Cookies.binaryCookies file alone did not help, but after deleting Cookie (via AppCleaner) and reinstalling it was OK.
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RE: Cookie 6 not recognizing "Full disk Access"
I could fix this after migrating to a new MacBook Pro with Catalina only by a complete removal of Cookie and a completely new installation. It was driving me nuts once Cookie was opened at boot - I had to shut it down with Activity Monitor.