Very confused, watching vs tracking a post?

The settings descriptions in https://yoursite/my/preferences/tracking are pretty straightforward:

These settings are affected by the ones above it in the preferences:

The image displays a user interface with a section titled "Topics" and options for creating topics in the last 2 days, automatically track topics in the last 5 minutes, and tracking a topic set that is closed when user post in a topic.  (Captioned by AI)

I also inquired with the Settings helper for a full explanation:

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