Well, maybe you'll critique my answer too, and then we can block each other.
Since you haven't told us what phone plan you have no one can give you any meaningful help. It's not clear if you're asking about the difference in bitrate between the two streams or if you're inquiring about a potential difference in how each method would impact a data consumption cap.
Most plans differentiate between data used onboard vs data shared via the hotspot function.
Refine your question and we can help you more. But with all your experience, you know that, right? Civility on forums is a two way street.