I'm not sure what having a "personal philosophy" means, but it seems like that's the only way non academics can relate to philosophy. I suppose it means taking some philosophical idea seriously enough for it to impact on your life.
I've learnt a little, in studying philosophy, but don't feel I have a philosophy, or that I live according to one, or as a philosopher. Not simply because I didn't study it very much, but because it seems somewhat too bold to claim to have found any meaningful truth, at least if you're not doing serious research. Which wouldn't be a philosopher in quite the way I mean, though I assume there are overlaps.
So that is why I would not say I had a "philosophy".
I don't know what it means to (and being so inclined I think knowing what it means wouldn't change anything) then decide that having a philosophy is unethical, but nevertheless I'm leaning toward it being an undesirable quality of a person.
One reason to think this, that being a philosopher in this sense is unethical, is that even if philosophy lives on, it's not clear to me (yet!) that its proponents, philosophers, do.
So what counter or supporting arguments are taken seriously in contemporary philosophy?