It isn't colloidal silver that combines with chloride to form silver chloride, it is ionic silver. Most products that call themselves colloidal silver are actually 85 to 99 percent ionic silver produced by electrolysis. See:
As far as I know, only Purest Colloids and Utopia Silver make true colloidal silver products.
I do agree that nebulizing is an excellent way to go - and I prefer nebulizing much more than just using a nasal sprayer, though a nasal sprayer is a good idea if you don't have a nebulizer. When you nebulize, and to a lesser extent, spray then it matters less whether or not you are using ionic or true colloidal silver. Particle size remains of utmost importance, however, and the ionic process tends to make much larger particles than does the colloidal silver processes used by the aforementioned companies (the smaller the particle the better, since you get more surface area per PPM).
Nothing wrong with LVDC - you can turn out some pretty good home product with one (you just need to take more of it than most commercial products). While you can make homemade silver with as little as a 9 volt battery, I think it is important to note that most home generators use higher voltage and Ben Taylor (the Utopia Silver owner) opted for a 48V power supply for their Silver Bullet home generator unit and that could be why it turns out higher colloidal silver content than other home generators (about 25% or so) as well as makes a good colloial copper product.
I fail to see anything in the provided link that says it is the ionic silver that kills the pathogens. Instead, it talks about the action of silver particles after defining a silver particle as "a silver crystal suspended in water by mutual repulsion of a charge". It is colloidal silver that has particles that are "so small and support a charge, called the zeta potential, that they can stay suspended as a colloid indefinitely".
If it is the ionic that does the killing, how does that explain the superior results of Mesosilver (which is almost entirely colloidal silver) and Advanced Colloidal Silver (which has a very large majority of colloidal silver)? The site you refer to, which I agree is one of the most non-biased ones, clearly explains the benefits of colloidal silver. I do not see anything that says ionic silver is superior - rather I see that ionic silver ust have colloidal silver accompanying it for it to be effective. Fortunately, most silver solutions do have at least some colloidal silver content.
BTW, one of the contributers who is specifically thanked is none other than the owner of Purest Colloids (the makers of Mesosilver true colloidal silver).