Summary
Given the number of options available, you should always be able to get OpenStreetMap data that's at most a week old. This contrasts with proprietary geodata providers where the data could be months, possibly years out-of-date, expensive, and with restrictive license conditions attached. Getting customized subsets of data would probably be an additional expense. With OpenStreetMap, it's easy and free.
Choose the method of getting data that suits your needs best:
If you need country-sized sets of data, use the planet file or a pre-compiled extract file.
If you only need specific sets of features or smaller areas, rather than a whole country, use XAPI.
To get the most up-to-date version of a feature you know has changed recently, use the main API.
With OpenStreetMap, you get freedom to do things the way they suits you. You can download the whole dataset ready for processing, retrieve subsets of data for specific purposes, and even get individual features directly from the database. Even...