Let's assume for the sake of argument, that we have a resource engine in place, and that we use OpenGL. My question is how the engine/game classes should reference the resources.

Lightweight example : among others, we probably have a texture resource. If we now have a class that uses this resource, do we store:

1. a resource id?
2. a resource pointer?
3. the resultant resource (e.g. the GLID of the Texture)

1 gives us the most flexibility, and neat features like being able to reload all textures on the fly (after context destruction), but costs us a lookup each time it is used. 

Another example - a font resource, same questions -- do we hold an id, pointer or a direct font class? 

Third example, a model resource has a reference to a texture it uses. Does it store id, pointer or direct link?

If the answers differ between uses, is there a sensible set of rules one can follow to decide what should be used in what case?