My wife and I have stayed at about 50 B&Bs during the past 10 years, all within a 3.5 hour radius of our home in south Jersey (in exchange for her support in getting a Miata, I had to demonstrate how much I'd love to drive it by planning little weekend getaways; not a bad deal). We've only had three or four experiences when the innkeepers didn't really seem to love the hospitality business.
The vast, vast majority of our stays were in B&Bs that were at least 100 years old, generally had fewer than 10 rooms, and generally included a gourmet or "full" breakfast. The rooms were adequately-sized (some were rather big; a few were tiny), clean, and generally decorated with antiques. We've almost always been quite pleased with the inn and the innkeeper's hospitality.
In terms of "too personal", I had one innkeeper actually offer to wash a golf shirt for me when I sloppily got some blueberry jelly on it at breakfast. It was ready to wear that evening after we returned from a day of activities. I love that an innkeeper will know my name, offer input about activities in the area, and sincerely ask if there's anything else she can do to make my stay more enjoyable.
On the downside, we once stayed in a place where we were the only guests and the innkeeper left breakfast on warming trays while she watched TV in the next room, seemingly ignoring us. The innkeepers of two other B&Bs appeared to have gone into business because of bad investments which prevented their retirement. Each seemed somewhat chilly in his or her own way.
None of the innkeepers ever seemed to be "in our face" as in your two examples. There are rules in most about smoking, using candles, etc., but, we've never been made to feel uncomfortable.
By the way, if you ever want to take an extra moment to try to trim that $40,000 tab, check out iloveinns.com. You can buy a directory of inns which includes a coupon for one free night when you pay for one night. "Some restrictions apply...", generally dealing with days of the week and months of the year when an inn will accept it.