Schema/Resolver Nesting

Is there a recommendation around the nesting of Schema and if yes - what level . I know for Mutations its kind of not recommended , but I am talking more about the Query type.
So if I have user that has Accounts and Cars , I can have three Schema and Three separate resolvers - for User, Cars and Accounts and query it that way by passing the User ID to it- or will it make more sense to add cars and Accounts to the User Type and then have it nested that way. Any candid guidance on when to use what will be deeply appreciated …