See the following links that describe the main difference bet the Retail and Debug/Checked Builds.
Checked and Free Build Differences (Windows Drivers):
Side Effects of Using the Checked Build (Windows Drivers):
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For normal users, you do not need the Debug/Checked build. It is for developers only.
If you have your product key already, you can download the right build at;
You can download it from there and use your product key to upgrade: