@Chris Olofson -
A personal app can be a bot, private workspace, or both. Sometimes it functions like a place to create or view content, other times it offers the user a bird’s eye view of everything that's theirs when the app has been configured as a tab in multiple channels.
Please have a look at this doc- https://learn.microsoft.com/en-us/microsoftteams/platform/concepts/design/personal-apps
Let us know if you have any query.