re: Any advice on a Personal Liability Policy vs an Umbrella?

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Personal liability isn’t going to pay anything if its related to an accident in a vehicle or boat.

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Lol
Your car insurance policy carries personal liability coverage. It is not a personal liability policy.
Your home/renters insurance carries personal/family liability coverage. It is not a personal liability policy.

Personal liability policies (aka umbrella policies) cover almost any personal lawsuits against the owners of the policy... including auto and home claims. The personal liability policies have a retainer for the insured on auto and home related claims. Typically $250,000 per person on auto accidents (which are covered on the auto policy) and $300,000 per incident physical injury claims (which are covered on the home policy).

The "personal" designation doesn't relate to the type of claim (i.e. auto, slip/fall, libel/slander). It relates to who the plaintiff is. The plaintiff would not be a business entity which would require a commercial liability policy.

The vernacular "umbrella" insinuates that it covers on top of auto insurance, on top of home insurance, watercraft insurance, etc.. and also covers "personal injuries" such as libel/slander which would not be automatically covered on basic auto/home policies.