People cannot send you PMs when yours are disabled, period. They aren't kept on file at all. The little "lock" icon to send a PM does not show up in your posts if they're disabled so the only way to potentially send you a PM is by going
here, typing in your name, and having the software open a window to send a PM to your user name.
And, in that case, the window simply closes. It does not get sent through. If that person were to send a PM to you that way, then check their PM's history, it would not show up in their PM History.
So, the short of it is, unless PM's are enabled, FuseTalk does not even give the time of day to a PM that is pointed at your disabled inbox.
nik (sent a test PM to you)