Do you have to use 'ref' for the field types within ref objects?

[ElegantBeef]

You still will need to know `lent` vs. `ref` cause they're different 
constructs, a `ref` is a heap allocated manged pointer whereas `lent` is 
borrowed memory. Without view types as I said prior `lent` can only be consumed 
directly as it's not the same. `lent` values can live on the stack, `ref` 
values cannot. To say there is no difference you live in a world known as 
Golang :P