The unique ID of the other object is loaded, unless somewhere on the page you are referencing a field form that object, only then is the entire set of data from the other object loaded.

It will because it is not already loaded until you ask for data from it, then it is loaded. Also, I believe that if that related field on user data type is a list of things, and you request the data from the User (list field of related objects) :first item field, then all the data of all the objects in that list will be loaded.

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