I put a generic “out of office” block on my calendar if I have personal business and it’s rare enough that I don’t get why it needs a solution. Maybe other people are scheduling things during work hours a lot more often than me?
That totally works if it is rare for you! The last 2 months I've had a few things I've added to my personal calendar that synced with work calendar: lunch with a family member, dropping off or picking up car from service, haircuts, contractor stopping by, dentist, vet appointment, etc. It's nice to not worry about it since it marks me as Busy right when I create the event.