Re: Chocolate teapot
Teams personal is new. So new it's not on the desktop or web client yet.
If you look at them purely as chat / video tools then yes they're all the same but Teams personal brings much of the collaboration features that the work version has.
You can create a group (like other chat apps) but then you have shared resources such as calendar and tasks.
So if for example you have a large family and you're trying to organise day trips and other shared events, it makes life easier for you.
Also if you share a lot of media, it puts it in a single repository so you don't have to scroll through the messages to find that funny video you were sent 2 months ago (some phones allow you to do this in the gallery anyway)
It's more than just yet another chat app