Microsoft 365 apps for Business

Hi everyone. I use Microsoft 365 Business Basic (online apps only - exchange) in the our company. I want to subscribe to the desktop apps (excel, word and PP). I'm found on the site two options:

1. "Microsoft 365 Apps For Business" (excel, word and pp Premium)

2. "Microsoft 365 Personal" (excel, word and pp Premium)

Can I use Microsoft 365 Personal to open Excel/Word documents that are inside my Onedrive for Business and save them automatically? 

For example: 

My file is on the Onedrive > I open Excel spreadsheet on the MS365 Personal and save automaticly > Is possible??

Whats the difference in between MS365 Personal and MS365 Apps for Business, when I already sign MS365 Business Basic?? 

Thanks!!