Can I remote desktop to another user on the same machine?
ARD into your "work account" and then do the following on the remote computer to open a Screen Sharing window to your "personal account" on the same remote computer.

Create an SSH tunnel.  It works for me using 10.9.

Enable Remote Login (SSH) in System Preferences > Sharing, and in Terminal run:

ssh -NL 5901:localhost:5900 localhost


Finally, use Screen Sharing to connect to localhost:5901 (instead of the default port 5900).   Instead of port 5901 you can use a much higher port that isn't in use by anything else.

The Screen Sharing application is located here: /System/Library/CoreServices/Screen Sharing.app