I want to hand carry as they are expensive
Oh yes, of course, Michelle, "hand carry those valuables."
I think the other poster was trying show you the differences - hence:
Hand baggage: Goods carried as hand baggage and Tax Free forms must be produced to Customs at the final transfer, the last point of departure before you leave the EU.
Hold baggage: If you are leaving from one EU airport but changing
flights (in transit) at another EU airport and the goods you are
exporting are checked through to your final destination outside the
EU, go to Customs at the country where you check-in your bags, your
Tax Free form will be export-validated as if that were your last EU
departure point.
If you collect your bags in-between transit, then you must go to
Customs at your last point of departure in the EU where you finally
check-in your bags.
I know, lol, if you're not used to this or are new, as you mentioned, it can be confusing!