[devonin]

consider:
you're fat
how does this differ from
your BMI indicates you're morbidly obese
when both can be saying the same thing?

When you're offered both from a random person on the street who intends to make you feel bad/guilty/negative about your weight? There is no difference. They are both insults, and they are both personal attacks because the insults are about something to do with the person themselves.

When you're offered both from a doctor that you went to see to evaluate your overall physical health including your weight? The former is certainly delivered without tact, and they are maybe being insensitive, but since you -asked for information on that subject- from somebody -qualified to give it- it stops being insulting.