Heap stack Class questons

I have the following confusions on Class creation. It appears
from macro expansion and stepping thru the framework calls
that the DocTemplate which holds the original Doc/View members
are created as nameless object instances referenced with a ptr
on the heap, correct ?
// eg:
CSingleDocTemplate* pDocTemplate;
pDocTemplate = new CSingleDocTemplate(
  IDR_MAINFRAME,
  RUNTIME_CLASS(CFileHandlingDoc),
  RUNTIME_CLASS(CMainFrame),
  RUNTIME_CLASS(CFileHandlingView));
AddDocTemplate(pDocTemplate);

// So if I derive a class as say,
MyClass::MFC_BaseClassWhatever
 { int Whatever = 1;
     MyClass() {}
   ~MyClass() {}
 };
// and then create an instance of it without using new as in,
MyClass MyClassObj;
// is MyClassObj here, created on the heap or the stack ?

// And what if I create the object as a member of a class
// already created on the heap as in,

class CFileHandlingDoc : public CDocument
 {
    protected:
    CFileHandlingDoc();
    DECLARE_DYNCREATE(CFileHandlingDoc)
   MyClass MyClassObj;
   ///------rest of class
// is MyClassObj here, created on the heap or the stack ?

// And finally am I correct in ascertaining that as long as I don't
// actually create a class (or anything ) using
WhateverType* pWhatever = new WhateverType;
// then I don't have to worry about
delete pWhatever; // in the destructor or where ever
// correct ??