MongoDB was AGPL, but according to MongoDB, Inc. that didn't stop cloud providers to sell it as service, without also publishing their management tools and everything else used to provision MongoDB under a license AGPL accepts. Hence MongoDB, Inc. came up with their license additions.
IANAL, but depending on who you ask, AGPL is deemed unenforcable or even misusing copyright legislation. In any case, AGPL hasn't, to the best of my knowledge, been tested before a (US or EU) court. If it had, I'd expect an excessive discussion as to which scope AGPL can have, and a fundamental legal discussion of whether copyright laws can even limit use of third-party software.
Anyway, AGPL doesn't directly address commercial licensing; it rather extends GPL's "distribution" to the case of "provisioning over a network", with the understanding that a commercial license also offered from the publishers doesn't require you to publish your source code to your end users. As it stands, AGPL might not be a good tool to express/enforce "free for personal use". It also depends on whether you actually want to win contributors, or merely have a licensing badge for your project. The AGPL itself basically implies that you want contributions (code) from your commercial users, rather than money.