The team plan lets you add "seats" as needed, so it is better if you are going to have several employees using the programs
The regular plan is designed to be used by ONE person, and may not be shared
You, as the owner, may activate the regular plan on 2 computers, but it may only be used on one at a time
What you do with the work you create is up to you... so you may use your individual plan for business
if i have a small enterprise, is necessary use Creative Cloud for Team? or also i can use Creative Cloud for individuals.
It's not essential but it's more convenient since you have centralized admin tools for software deployment and license management.
With Individual plans, if you have a working team of 5-10 employees with individual plans, their Individual Plan is linked to an individual Adobe ID - so 5 separate plans. When they leave the enterprise, you give their generic Adobe ID to someone else and change the password (or cancel their plan and start a new plan with a new ID).
its better CCT, cause easy to manage license, get more benefit like Industry Training, more simple to restrict user example : using cloud, keep your internal data not go to other place