Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
Hi Hans
I'm Anna and I'd be happy to help you with your question. In this Forum, we are Microsoft consumers just like yourself.
The cons of using a work license isthat when you leave your work place you wont be able to access Microsoft 365 again, so some of the settings might be restricted to due organization policy. The pros of having a personal plan is that you can use up to 5 devices at a time without restrictions and you have the extra 1Tb of cloud storage as you have mentioned.
Access app is available but only on PC if you purchase either the Microsoft 365 home or family plan. Also, you can use but Microsoft 365 for work and personal on your PC if you want that.
See all the apps available of Microosft 365 personal
https://www.microsoft.com/microsoft-365/buy/compare-all-microsoft-365-products
I hope this helps ;-), let me know if this is contrary to what you need, I would still be helpful to answer more of your questions.
Best Regards,
Anna
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