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Disadvantages / Advantages Loose Camera
With a separate camera, you can make short recordings together with an SD card and view the images live on your phone via the app.
This is a lot cheaper because you do not need a Recorder / NVR, the disadvantage is that you cannot record much longer than 3 days depending on the resolution of the camera and the size of the SD card.
Disadvantages / Advantages with Recorder / NVR
With a Recorder / Nvr you can record continuously up to several weeks depending on the size of the HDD.
This can be beneficial if you want to go on vacation and want to record everything when you are away.