When creating User Roles it is important to know what you want your new users to be able to do. Do you need help keeping your comments and posts approved, do you need someone else that will help you maintain the plugins, themes, and updates, or do you have someone that is just adding content but needs all of their creations checked before posting?

Regarding user roles, the security of your website is the first consideration. Then efficiency. Keeping these two goals in mind can help you find a balance of users to help you maintain your website.

Editor users manage all site edits and approve/schedule content submitted by Contributors and Authors. However, an Editor cannot access plugins, widgets, WordPress settings, or adding or removing users. https://solidwp.com/blog/wordpress-user-roles/

Your contributor can write blog posts or articles but can’t publish them. When they complete a draft, it goes into the draft section for an Administrator or Editor to review before publishing. https://solidwp.com/blog/wordpress-user-roles/

Some websites have a subscribers-only content page. You can see this extensively with authors, photographers, digital content creators, online tutorials, etc. Many will have special content that is not released to the general public and has a cost to access. Plugins like Ultimate Members, allow you to add more options and pages for members-only pages. You can have general access and username/password pages.