Question about Performance of my db design

Hi

I have a question about the performance of my db design . I have this situation:

- One schema base containing 20 tables whit data of all users of my system. (These tables will contain a lot of rows (millions)). The data of each user is
independent of the rest
- One schema per user with a view of the schema base containing only the data of this user.

It is a good design? how efficient Does Postgree manage these big views?

In the other hand, i have another idea:

- One schema whith the 20 tables and one schema per user whith tables that make inheritance of these.

If i do that, i avoid to make views.

What design is the best?

Thanks, in advance

Gustavo ( sorry for my english)