The standard URL contains the official releases (currently on v1.6.9) and the test URL will also include unofficial releases which may be subject to further changes. Currently, there is a v1.6.10 test version.
Unless you need to use some feature that has not made the latest official release, I would recommend sticking with the standard URL. Because the test releases are subject to change, this can confuse the board manager and how it caches the files. If you see a CRC mismatch error, this can usually be fixed by clearing the board manager cache directory.
On a PC this directory is located in:
/Users//AppData/Local/Arduino15/staging