You missed a third: “this is a product of a particular pattern of life experience which not everyone shares, and people should be mindful that it is not universal”.
IME, when a particular comment is described as coming from privilege, to the extent there is a “should” point along with the “is” point, the “should” point is about recognizing the different lived experience that the privileged comment disregards, not about resolving the difference in experience by universalizing either the privileged or unprivileged experience.