Thank you for the details here! You can technically implement both workflows, where user has recording capabilities enabled. Or you have the account/tenant in which users join meetings and you can enable recording. It depends on what is best for your particular use case. For instance, you can leverage webhook events to get to download the recording when it is completed. Here is the Webhook event for that for reference :
POST recording.completed webhook event
Feel free to let me know if you have any questions about this.