found your question on 4 different forums submitted by you. search it again on google you can find your answer. by the way 1st is better then 2nd
All in title will show you key phrases that your competition has optimized for. All in URL will just show you sites that have that key phrase in their URLs. While it's certainly beneficial to have your key phrase in your URL, it's not required, nad I've seen sites rank well without it.