I think this may be a combination of me understating Warnock's contributions off the pitch and you overstating them.
I still don't give him any real credit for the redevelopment of the ground and academy, but I accept your points about the increasing of attendences and development of players - he deserves plenty of credit there.
I don't quite agree with your assertion that he got us on a sound finacial footing, but I will concede that he did a better job at organising his finances than just about everyone of his successors, up until Wilder.
Whether we define it as a dig or an insult, I always make an effort to discuss the post and not get personal. If someone I'm talking to abandons their argument in favour of insulting me, then I'll return fire, like you said.
I'm coming to realise though, that unless your ego values winning arguments on a football forum, with people you've never met, then there's nothing to be gained.
It's not a matter of offence either (which I believe your last sentence alluded to). I just worry it makes me look like a tit.