Hi Jin Jing,
Please see the technical differences I have summarized below:
ARPS: Uses a proprietary algorithm to harmonize PlanetScope data with Landsat, Sentinel‑2, MODIS, and VIIRS; radiometrically aligned to Sentinel‑2/Landsat NBAR, tiled on a fixed grid, near‑daily, delivered with QA (cloud mask + provenance) and STAC for time‑series and ML workflows.
ortho_analytic_8b_sr: Per‑scene, orthorectified, atmospherically corrected to surface reflectance for temporal analysis/monitoring, but not harmonized/tiled into a common grid or cross‑sensor calibrated like ARPS.
ARPS is machine-learning ready with reduced scene-to-scene noise.
As for your question regarding quota, it is dependent on your account as we have different quota types. For the Education and Research plan that has Preferred quota, each scene will deduct at minimum 100 sq km of usage. The other account you are referencing sounds like it has Premium quota. Please submit a ticket to Planet Support and we can provide more information.