TEXT field and Postgresql Perfomance

Do large TEXT or VARCHAR entries in postgresql cause any performance
degradation when a query is being executed to search for data in a table
where the TEXT/VARCHAR fields aren't being searched themselves?

Since, according to the postgresql docs, theirs no performance
difference between VARCHAR and TEXT, I'm assuming VARCHAR is identical
to TEXT entries with a restriction set on the length.  And since TEXT
can be of any possible size, then they must be stored independently of
the rest of the table which is probably all stored in a fixed size rows
since all or nearly all of the other types have a specific size
including CHAR.  Therefore TEXT entries must be in some other hash table
that only needs to be looked up when that column is referenced.  If this
is the case then all other row data will need to be read in for an
unindexed query, but the TEXT columns will only be read if their being
searched though or queried.  And if they're only being queried, then only
the rows that matched will need the TEXT columns read in which should
have minimal impact on performance even if they contain kilobytes of
information.

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