Is 'kindly' insulting someone being passive aggressive?

EXAMPLE:
"Wow you're a horrible singer, but that's just my opinion."
(saying it while smiling)

"You're all lazy and annoying, but I guess that's just your personality"


Is it basically being rude in a 'nice' way?
I haven't said anything like that and nobody has said these things to me! I'm just having a difficult time understanding passive aggressiveness and what it sounds like when people are acting that way...
 
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