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Would the user need his own Personal Certificate to access information securely on a webserver?

The user doesn't necessarily need his own personal certificate to have access to a secure server. However, the secure server can be configured to explicitly ask for the user to select and present a personal certificate (eg. a PersonalSign certificate) before entering a certain page. This is an extra feature of Secure Socket Layer (SSL) v3. In this way, the SSL server also has an idea of who is accessing the site, and can decide whether or not to let that person access certain information.

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