I need clairifaction on the differences between these. Examples would also be great. 
In actuality, while this type of explanatory tone is used all the time, 「のだ」 is usually substituted by 「んだ
The crucial difference between using the explanatory 「の」 and not using anything at all is that you are telling the listener, “Look, here’s the reason” as opposed to simply imparting new information.
The examples in the link use casual speech, so just substitute だ with です for your specific question.
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