DMV is correct. There is no difference to your record. It appears as a "withhold" (no points) either way.
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There were no points assessed. You have to be truthful with your insurance company. Did you receive a moving infraction is the usual question.
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A withhold of adjudication weather by traffic school or court order is not considered a conviction. However, in an accident case, unless you present the insurance company with a certificate that your case was dismissed or you were acquitted, they can use the withhold to raise your insurance rates. This is because of a quirk in the insurance statute.
What most attorneys have probably told you is that if you elect traffic school, you will most certainly get a record indicating that you pled no contest and adjudication was withheld. If your attorney fights your case and gets it dismissed, no such entry will be put on your Tallahassee record for any insurance companies to see.
Thus, it pays to fight your citation through an attorney, because there is a high likelihood that if your attorney fights the case through trial, your case will be dismissed. As a backup, in those cases where it is impossible to get a dismissal, your attorney is most likely to get you a withhold of adjudication, or a no points disposition.
The moral of the story is, find a traffic ticket defense attorney that you trust to fight your tickets. You will most likely have no record as you would when you elect traffic school. That is the subtle distinction.
The information provided is not legal advice from Criminal Defense Lawyer Albert Quirantes, or the Ticket Law Center in Miami, Florida. There is no attorney client privilege created in this communication. Do not send questions which are confidential in nature by either this venue or via email. Personal questions should be asked in person or via telephonic conference only. You should only ask theoretical questions of a general nature.