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There are anatomical differences, as mentioned. Once you get to see the difference between the two you can tell almost right away what species the tegu you're looking at is. Not only are the scales different, but Argentines have a different facial structure compared to Columbians (Columbians have a more "pointy" snout) and Argies tend to get larger than Colos.
Personality differences depend entirely on the individual animal. While most claim the Columbian is less tame and more difficult to handle, that is not entirely true. Most Columbians are a little more flighty than Argentines, due to the size difference, and they can take a little more time to tame down because some people are afraid of handling something that squirms so much or seems so eager to run away.
Same goes for reds or blues, personality fully depends on the individual animal and how much time you're willing to spend with it.
I've seen plenty of dog-tame Columbians and Argentines, as well as Reds, who are totally unable to be handled because they were never or rarely touched.
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