Use the anchor text "personalized birthday gifts" ... I've never heard or seen anything about commercial keywords damaging rankings. Do not stay away from using 'commercial keywords' as anchor text - this would be a disaster. When you say heavily, I guess you mean having all of your links with the same anchor text; while heavy usage of anchor text clearly correlates with good rankings, it's risky business (it's not particularly natural looking).
There is a trade-off between branding and EMDs. If you use an EMD then you have huge SEO benefits (at least for now) but with branding you'll have a memorable name that people become loyal to.