I think your last statement is best summed up by the following phrase:
"English is a difficult language"
I understand the meaning of Ad Hominem quite well, and no, it does not mean to attack the argument as you suggest:Ad Hominem
If you want to attack me, fine. If you want to attack my argument, that's fine too. But by calling the arguments/opinions of me and others on this discussion board "tasteless and inconsiderate" is clearly failure on your part to see a much larger picture.
I appreciate your comments as long as they are comments. But an insulting is not the same as commenting, and will likely win you no fans here, sir.