Personalization refers to stylistic look & feel of the entire experience (environment or interface) whereas settings refers to individual parameters that effect how you interact or perceive the environment.
Personalization refers to the ability to customize your avatar and environment in ANY way. This includes fantastical representations such as aliens, animals, etc. We separated out a section for inclusivity which refers to equal representation and access of all groups.
Options available to customize your avatar, ranging from hair style, clothing, skin color, etc. and/or options to select a different character
Options available to select a different environment (e.g. changing between a mountain setting to a spaceship setting)
(need image of meditation apps of oculus home environment)
Options to select the characteristics within a single environment (e.g. changing the color scheme)
(need gif of Beat Saber)