implying that someone is unsophisticated is an ad hominem
When you say that someone's argument is bad because they are allegedly unsophisticated, that is ad hominem. When you say that someone is clearly unsophisticated because of their foolish argument, that is not ad hominem. This is probably the most widely misunderstood logical fallacy, if only because it's the most familiar — if not well-known, in that it is not well-understood. It means argument from a person, and if you are not arguing that someone's argument is bad because of some thing about them which doesn't affect the argument true or not then it's not an ad hominem.
For example, pointing out that someone's argument is potentially biased because they are relevantly economically involved is a valid response to someone claiming they have no reason to make deceptive statements, but it's still not a valid argument for or against a position because it doesn't make specific testable claims. It's just window dressing intended to engender an emotional response. Even though it's not an insult, if you're depending on it to prove something did or didn't happen or to distract from a lack of proof, it's still the same logical fallacy.
If you think someone is being needlessly insulting, you can just say that. There's no need to invoke ad hominem to point out that someone is being a bell end.