Jira's user permission system is far more flexible than just having a "user type"
In some of my client systems, I'm an adminstrator, so you'd think I have "full access". I do. To adminstrative functions. I have no access to the projects or issues. As an admin, I can give myself that access, but my admin rights have nothing to do with my project rights. "Full access" in the way you're probably thinking of it is not implemented in Jira, which is a good thing, because it's a dreadful access model.
I tend to try to separate out "admin" rights from "project" rights. Admin rights are two-level - system admins can change anything, and Jira admins have less power, in that they can only change the way Jira behaves to the users.
Project rights are far more complex (because they're flexible) and depend entirely on the permissions you give on a user, or role, or group, basis. I can be a developer in two projects, and have different rights to each project. It all depends on the permission scheme for the project.
So the answer to "what level of access does a user have" is "whatever you have granted them in your permissions"
It all depends on how you configure your instance...
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