I'm having a hard time finding documentation that makes this clear, nor can I find an answer that directly answers this question for me.
According to this Salesforce article, Community access is granted via Sharing Sets. However, it's my understanding that Sharing Sets are only needed (and available) when the OWD is set to Private on the object you are granting access.
When setting up access for Salesforce Community Users, is record access (row level, not CRUD / FLS) granted using the org's Sharing Settings (OWD) or is row level access granted using Community Sharing Sets? Or, is it a combination of both?