"You're European, so your argument is biased and wrong" is an ad hominem. "Your argument is naive, here's why I think that" is not. The latter is logically downstream of the argument, while the former is upstream.
see how those three sentences go together? that's a line of reasoning. the subject comment doesn't have that throughline. it's disjointed; the parts are only tangentially connected.
What on earth do you mean by "literal" here? Ad hominem refers to a specific fallacious style of argumentation. Being ignorant of the definition and then too stubborn to admit it is not pushing back against "overliteralism".
Especially because the rest of your comment (dismissing the rest of the argument due to "ad hominem") only makes sense if one assumes the correct definition!
if it had been starter, engine, and transmission, maybe you’d have a point, but instead it’s corroded battery, door handle, and tailpipe.