Thanks for emphasizing this, @orenwolf, even if the current system isn’t ideal.
Like so many things, it boils down to consent. Except by mutual consent, I’m personally in favour of keeping discussions and disagreements to the public forums. Because they are targeted at an individual, PMs by their nature can be more harassing and stalkerish than public posts, even if they are superficially “civil”. For that reason, and because only one user can flag a PM, I think the guidelines should be more strictly applied than for a public post, and “I don’t want to receive this” should be justification enough for a flag.