The “...personally present and actively engaging or being engaged by the enemy, and performing satisfactorily in accordance with the prescribed rules of engagement” would seem to me to require that the person being awarded to have been under fire and engaging the enemy. Something generals don’t often do.
Normally correct. Factually in error this time. Iraq is not a Conventional sort of war. Your problem is you assume the Conventional rule book applies here. It doesn’t.
http://en.wikipedia.org/wiki/David_Petraeus
Iraq
2003–2004
C In 2003, Petraeus, then a major general, commanded the 101st Airborne Division during V Corps’s drive to Baghdad. In a campaign chronicled in detail by Rick Atkinson of the Washington Post’s book In the Company of Soldiers, Petraeus led his division through fighting in Karbala, Hilla, and Najaf (where he came under fire during an ambush by Iraqi paramilitary forces)