Just to clarify

I read on PayPal about the 2 types of account I can create, either personal or business. The purpose of wanting to create an account is because i want to sell trading cards online. It's to my understanding the following:

Personal account: I can sell the cards under the goods and services banner but can only accept direct PayPal payments. I also can't create invoices or print labels. Usually best if I want to sell cards here or there. Anything sold will show my personal name

Business account: I can sell cards normally however each sale takes away a fee that's paid to PayPal. I can accept more than direct PayPal payments such as credit cards and debit cards. I can even create invoices and print labels and anything sold will show a business name.

Can someone help clarify if this is correct? And does it make sense to create a business account due to all the extra things I can do with selling cards?