Usually tagging someone in the post is trying to get their attention. I have gotten comments where someone tags me just to say "nice post" or "followed/resteemed". It is kind of like jumping up and down screaming "Heeeeeeeeeeeeeey!!!!" to someone like they have something important to say to just have them say "hi."
The "Personalized Comments" are simply those that tag someone for no reason but to get their attention. These comments have no meaning and add nothing to the post or conversation, they are just an attempt to grab the post creator's attention in the hopes that they will get an easy upvote. I call them personalized because I think the commenter thinks that by tagging the name it looks like they didn't just copy and paste the exact same comment on 100 other posts (but switching the tagged name).
Now, with that being said - your comment here doesn't fall under this type of comment because your comment is actually doing something, getting my attention to ask a question :)
Thanks for your Genuine Comment!
Haha I just posted again, then read your explanation! Thanks for being so specific! And complimenting my comment!
I do know what you mean though. I don't like those either...I feel as though you should comment as though you are speaking face to face.