This is a very frequently asked question, though your question in particular deal with three completely separate issues, with three completely different outcomes. I'll explain more in depth, below.
Explained: if I Reset Windows 10, What Happens?
First let's discuss the differences between a system restore (restore point), a Windows 10 reset (keep files / remove everything), a factory reset, and even resetting (reinstalling) Windows from DVD / USB media. Each method I've listed from left to right as least destructive to "most" destructive in terms of wiping out personal data.