I need either a confirmation or a refutation regarding the following theory of mine about the pattern"“noun phrase + of + possessive pronoun”

I’ve been thinking a lot about this matter, and this is what I came up with as a rather complicated yet seemingly airtight rule regarding when not to use the aforementioned pattern. It goes like this:

• When talking about people and generally living things, the verb "to be" can come before the noun phrase, as in:

"He is a friend of mine"

"She was a cousin of hers"

"That is a dog of the queen’s"

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• However, when talking about objects and tangibles, the verb "to be" doesn’t usually come before the noun phrase. A false sentence to corroborate this would be "this is a car of mine". Instead, we generally use the verb after the possessive pronoun, as in:

"That car of yours was a beauty"

"This ugly sofa of his takes up so much room in the house"

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• On the other hand, when talking about intangibles, the use of the verb "to be" before the noun phrase is completely OK, as in:

"That is a bad habit of yours"

"This is a trick of mine to get these things open"

Although in some cases this may sound a bit unusual and uncommon (yet, perfectly grammatical), as in:

"That is a great personality of yours"

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Now, have I gone crazy or does what I said make sense? Can you make an example that would refute this (perhaps one in which a tangible can be used after the verb "to be" and before the possessive pronoun)?

P.S. I deleted a previous post of mine similar (yet with crucial differences) to this one in order to avoid duplication. This is a much more thorough description of what’s been bothering me for a week now.