If you, as an individual, are purchasing a product license using your own funds, then the personal license is right for you. Personal licenses are not available to companies in any way or form and can't be reimbursed by employers.
Personal licenses are available only as oXygen XML Editor because it includes the functionality of oXygen XML Author and oXygen XML Developer, so you should choose this if you are a content author, a developer or both.
The upgrade can be purchased to bring up-to-date an older version of your oXygen XML Editor Personal license.
The Support & Maintenance Pack Renewal for Personal edition can be purchased in up to 14 days after a previous SMP has expired. This extends the SMP for an additional period of time for an existing Personal edition license.