Yes, I agree 100%. To anyone else who reads this in the future, pretty, pretty please don't willingly get a product with ammonium bifluoride on your skin. The same goes for sulfuric acid. Always use proper personal protection such as long rubber gloves, goggles, an appropriate mask, and other items to keep away corrosive chemicals from your body.
Take a look at this informative article.
http://www.komfg.com/files/2012/02/ABF_HF1.pdf
I agree 100% with what you say about not getting it on your skin. If the guy read the bottle it says that. But nobody is going to wear all that safety equipment to wash their tires. Its not realistic. Masks don't even work unless they have been fit tested by a doctor and you need the right filters. Googles, long rubber gloves and protection to cover the rest of your skin come on. Someones going to wear all that in the summer when they wash their car?
If its that dangerous that you can't use it safely without all that then it shouldn't be sold. You're outside for god sake, some rubber gloves and a little caution thats it.