Loaded / Unloaded calipers

ahh, the infamous rear brake caliper seize…

i’ve got a 91 LS with a noob question:

whats the difference between a loaded and unloaded remand. rear caliper beside the price? im a ‘novice’ mechanic (meaning i’ve installed coilovers, rotors, hub assemblies, CV joints and axles before, but never calipers) and need to replace it right away, which is better for the ‘amateur’ caliper-man? is the ~$60 usd Fenco from AZ is all i need? just point me in the right direction, thanks in advance.

Loaded calipers come with pads, unloaded calipers don’t.