I am replying to you. If one takes the mere fact that I'm specific about that as a personal attack, then one is being thin-skinned and/or paranoid.

"Taking it personally" means feeling that you are being personally attacked. It isn't the same as me just using "you" instead of the less-common "one" as a pronoun. A personal attack is making disparaging remarks about the other's presumed personal attributes, especially in an off-topic and/or intentionally insulting manner. Twisting "taking it personally" to claim it means "noting that you addressed me directly" is the kind of thing a troll would do. (No, I'm not accusing you of being a troll (though, I'm not ruling it out), just noting the lack of useful point in your reply.)

For the record, I amend "the best counter to bad speech is good speech" by noting that it mostly doesn't apply to insulting speech. The best counter to insulting speech is pointed silence, with a very infrequent bit of extraordinary eloquence (and that last bit often not in public). Though, if the insults are from trolls, then it is best to skip the eloquence entirely. And on-line, unfortunately, the odds of even extraordinary eloquence having much impact on those doing the insulting are quite thin (and the odds of generating more insulting speech in reply rather high).

There are a lot of inconvenient, unfortunate, and uncomfortable things in life. Perhaps even more so in on-line life (though the consequences on-line are usually much more limited in their actual harm). In theory, it may seem like a great idea to try to eliminate such things. In practice, attempts to ban or hide everything bad have consequences that are easily worse than the benefits.

Now that you've spent a lot of time trying to come up with how other things can change to benefit your on-line life, I think it is time for you to spend some time considering ways you can change to benefit your on-line life.