I think that this is the kind of question that can't really be understood intellectually. I was very drawn to Tibetan Buddhism and still take a lot of comfort and inspiration from it, but American Buddhism tends to get talky and thinky and philosophical, and yes, at some point it will just drive you crazy. It's ironic because one of the main reasons for practice is to get you out of your head, but get a bunch of American Buddhists together and what do they do? Talk their practice to death.

That doesn't make Buddhism or Buddhists bad, it's just the flavor of that particular discipline.

Not this not that. Not personal, not impersonal.