No matter what type of a PayPal account you choose, you'll need to fill it out completely, and add a credit card or bank account to get verified. Many people add both to give them the option of what they want to use when checking out or buying online.
When you first apply for a PP account it is simple and easy. Everyone can apply. Right away they ask you if you'd like a personal or business account. A personal account is the best one to start off with. You can always upgrade later to a business account if you need one.
Personal accounts allow you to receive, send money, transfer funds to your bank account and have the option of applying for a PP debit/credit card. Furthermore, on a personal account, you can send money to your family and friends for free. There are no charges to do this on either side.
A business account you'll need to fill in your business name, address, and some other information in order to apply. In a business account, you can accept larger transactions and also do the same things as a personal account except for one thing. You can't send money to family or friends for free like in a personal account. You will pay the charges on this one.
Unless you own a business or have an online store it is better to just have a personal account.