Limits/pricing question about "change streams" and Realm

Can someone please verify that I’ve understood how limits work with “change streams” as written here: https://www.mongodb.com/docs/atlas/app-services/reference/service-limitations/#change-streams

If I have two web-sdk realm clients, with the same change-stream filter query (watching a collection) and rules to only serve documents that are owned by the user, would that count as one change stream and two listening clients? Or would it count as two change streams (because the two clients get different documents, based on their user id)?

And “concurrent” means any client that has opened a watch stream, even if it is “idle” because there is no change activity?