Shawn,
The main difference between an indivudal account and a team account is that with teams, you are able to administer the team as your individual user. It is essnetially enabled delegated adminsitration of another account. The advantages are that you can have multiple users that are adminsitrators of the team, and others who can only create repsoitroies. You still have groups as well. This is explained in depth in our docs. As time goes on, we will be adding more features to manage and show profile information on teams differently from an indivudal account.
As for email addresses, all accounts still require a unique email address. If you use Gmail (or some others), you can always use a + in your email address to trick the system into accepting your same email for multiple accounts. This is explained in this article I found.
If you already have a paid account for your username, nothing will change when you convert to a team. Your username will not change unless you change it, which means your repo URLs will not change either. You'd want all of the repositories owned by the team, with each member being listed at the team level. The user limit will not be inherited to the team members.
Ultimately, you'll have the following default setup:
- Team - Paid account (if you like, teams are free for 5 users too)
- Administrators group: Your individual user account, other memebers
- Developers group: Other members
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