Differences between UserManager cache and GuildMemberManager cache

What's the difference between the UserManager cache and the GuildMemberManager cache? I understand the difference between a user and a GuildMember, but if the user cache is disabled does that mean guildMember.user wouldn't exist? or would it simply stop things like client.users? Ping on reply

Additionally, cache only applies when you access things in the cache right? for instance, if a interaction request comes in and I have the UserManager cache disabled, I can still do intr.user. or intr.client.user correct?
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