Difference between PDF user's password and PDF owner's password?

What is the difference between PDF user's and owner's passwords? When creating a document, which one to use?

The user password, if set, is what you need to provide in order to open a PDF. Acrobat/Reader will prompt a user to enter the user password. If it's not correct, the document will not open.
The owner password, if set, controls permissions, such as printing, editing, extracting, commenting, etc. Acrobat/Reader will disallow these things based on the permission settings. Acrobat will require this password if you want to set/change permissions.

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