You will need other hardware/software to use this with a cloud. It is just an external hard drive. I use it with a dedicated PC running Amahi a linux based home server and this gives it cloud capabilities.
It works for Xbox one and a PC for sure. Im not 100% sure for playstation 4 but i would say it does work. I dont think it will work for xbox 360 since there is an external storage limiter for that console
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I believe the difference is in the warranty.
Expansion series is only 1 year, external/backup Plus is 2 years.
Still pretty crummy since in the "old" days, (not that long ago, 5 years?), 3 years was standard and 5 typically available.
In case interested, their internal drives are 3 years, and SSDs and enterprise internal drives are 5 years.
Unfortunately, without doing research on each and every drive you may want to buy, the warranty is NOT readily findable.