Are "out of the row" fields read when a clustered index is used?

I know that when VARCHAR(MAX)/NVARCHAR(MAX) columns are used the data is stored out of the row - the data row will have a pointer to another location where the 'large value' is stored.

I have the following questions:

1. Is each field stored out of the row or only the max ones?


2. If you are using the clustered index of the table to read the whole record, are fields that are stored out of the row read, too?

VARCHAR(MAX) or NVARCHAR(MAX) is considered as a 'large value type'. Large value types are usually stored 'out of row'. It means that the ...