We had been discussing posting online.
I brought this in to show why writing something like this would be a problem online.
The quote from A lesson a day was talking about any kind of speech which would include both speaking to an individual as well as posting online.
As you pointed out, when it’s toeles AND if all the conditions of toeles are fulfilled, it can be permissible.
But I don’t think that can possibly apply online for the reason I already mentioned.