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This question depends mainly on the game format, stakes being played, and player goals. It's easier to bankroll yourself for cash games as they have fewer swings than tournaments. Likewise, if you are happy with the stakes you are playing and have no desire to move up, it will be easier to play with your own money.
All poker players play with their own money. When a player wins a tournament, he surely gets to keep his winnings. If your winnings are below 10,000, you get the full amount, however, if your winnings are above 10,000, the amount is subjected to 30% TDS cut.