Restrict visibility and user permissions Creator 5

Restrict visibility and user permissions Creator 5

I don't understand how restrict visibility for reports interacts with the already established role permissions.

It seems that the default on restrict visibility has everything checked for all users, but I cannot set up different levels of permission for different individuals. 

Right now I have three different ways to manage users and their access and it's confusing because everything has not migrated to Creator 5.

Don't the role permissions extend to the reports as well? Are the selections under Restrict Visibility counteracting the user permissions? 
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