I’m not sure how an ETA could be personalized
In Germany for example there are large sections of the highway with no enforced speed limit. Depending on the traffic, I can easily speed with 200 km/h. Do I? Well, that will depend. At least in the past I did. So the prognosis when I will arrive on a route with mostly highways would be highly different for me than for someone who prefers to drive 120 km/h.
Obviously the other way around is the same: even when 130 km/h are the allowed maximum, I could legally drive 100km/h (or even less). If the software calculated my time of arrival by assuming I will speed to the maximum, it will be wrong.
–> Personalization.