Actually, the ownership structure in *NIX (the chown settings) has little to do with you or your visitors. Perhaps this will clear things up for you a bit...
By default, when you install apache web server, it creates a user account "apache" and a group "apache". Every file placed in the web root (/var/www/html by default) is either owned by the "apache" or the "root" user and group. The only way this changes is if the Administrator of the webserver (root user) changes the ownership of the files and directories with the chown command.
For example, on shared hosting, and Admin may wish to have several directories under /var/www/html for the purposes of shared hosting. These directories may be named /u123, /u456, /u789, etc. The Admin may then change the ownership of each directory to match its respective hosting account. This is useful for auditing, but does not change how the sites are accessed from the web.
The ownership of the file or folder has little to do with who has access to them from the web. Access to is granted/denied through chmod. The Admin can accept the default permissions for the file and/or folder (chmod), or choose to set explicit permissions, or redefine the default permissions (umask) [this is preferred].
For example, my web host has set a umask (default chmod setting) of 755 for directories and a 644 for files, which is perfect for XOOPS.
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The numerical values indicate read (open), write (change), and execute (run or traverse directory).
4 = read
5 = read & execute
6 = read & write
7 = read, write, & execute
These permissions are set on a Owner - Group - Other (everyone) basis. Therefore....
755 means The owner can read, write, and execute. The owning group and everyone else can read and execute.
While...
644 means The owner can read and write. The owning group and everyone else can just read.
The ownership part comes in when you either FTP or ssh into your account to upload/edit files. If your hosting account was setup with 444 or 555, you wouldn't be able to upload or edit files.
The reason that the Owner and Group settings are not necessarily the same is that an Admin may combine several users into one group (take "ftpusers" as an example). By specifying the permissions to set files and folders as writable ONLY by the Owner, no other group member can make changes.
A good rule of thumb: Give group the same permissions as others (everyone else). ONLY give write permission to the Owner.
All of the above can be a little confusing when you're talking folders rather than files. Just remember that it's good practice to set your folders to a minimum of 755. I've actually locked myself out of a site because I didn't set the folders as executable. Go figure.
Well, I hope this helped. I highly recommend Google'ing chmod, umask and chown. Whether you plan to use/admin a *NIX box or not, having a basic understanding of how permissions are set can really help you troubleshoot problems and lock down the security of your site. Besides, I'm human, there may be a mistake or two in what I said.
Best Regards!