We agree. However, I was commenting on someone who said "the wrong gear" dropped, in a run where they had specifically set Personal Loot. In that case you cannot be guaranteed an upgrade. You can do that with Master Loot and make an item land in the bags of someone who needs it, which is as it should be. But just because it isn't an upgrade for the person getting whichever item with Personal Loot, doesn't make it "the wrong gear". And that person has yet to convince me otherwise.