#3 just means saying your own bracha instead of being yotzei with the ba’al habayis. I’m not from chabad and I have this minhag too, though we pass the challas to everyone to say hamotzi before they are cut.
#3 just means saying your own bracha instead of being yotzei with the ba’al habayis. I’m not from chabad and I have this minhag too, though we pass the challas to everyone to say hamotzi before they are cut.