Low position, leverage or no leverage?

Hi, folks,

If I have 100 USDT, and I'd like to open a long position of DOT value at 100 USDT, what's the difference between:

a) 1x leverage, cross margin using $100. Which means 100USDT will all be used.

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b) 10x leverage, cross margin using $10 (only 10% of all funds), But because of the cross margin. Collateral is still 100USDT

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What's the difference in cost and risk for the above two, for trading on Binance?

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Thanks and cheers.