@feditips - Thanks. I take it since the original post is sorted according to those server rules, any comment on those posts would too.
I'm not sure that answers the personal connection settings side of the question though, using the home stream.
It is possible that personal #privacy settings over-ride the servers, right?
IE, what happens when someone makes a closed/private to followers only comment on a public post, or a public comment on a followers only post? (changes settings)
Can a situation happen where you could see a comment with no other visible content (OP, other comments) visible, or a post with many comments but none visible to you?
Or, as I've seen suggested, if you can click open a post, all comments are visible? (Or if you clicked a comment in your stream, the OP would open for you even if you don't follow them, and it's on another server.)