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Ok there are two separate questions here:
1) What is the difference between "Mobile Network" and "Mobile Networks" (With an "S")
That's easy.. one enables the mobile network (3g antenna) and the other sets it's settings. Why they decided to make one plural I don't know unless you consider Mobile Network a feature and the Settings could impact multiple potential networks... either way.. Check the first if you want data to come into your phone period
2) "Always On Mobile Data" option... I looked into this a while ago and the best explanation I found was as follows. I cannot guarantee it's the 100% correct answer, but it does make sense.
It sounds as if when the phone sleeps it will turn off the 3G radio entirely, and only wake-up when the phone is on. Having the 3G antenna on itself isn't a huge drain as it's not necessarily transmitting (having it transmit data is what causes a big drain).
After 5 minutes when your not using your phone, your phone goes to sleep and turns off 3g all together.
You can test this by waiting more than 5 minutes and when you press the power button button on top of your phone you will see that there is no 3G symbol at all at first and then it immediately pops up. Depending on what you are using your phone for, you may want this feature on.
If you live in an area where you have a bad 3G connection, it could potentially drain your battery as it will constantly be trying to sync up to the tower rather than simply stay connected.
Hope that helps.