She might be an older woman with a wealth of life experiences. Clementine could be a character in a specific community, known for her wisdom and the stories she tells. For example, in a small village, she could be the one who everyone goes to for a good story. She might have lived through historical events and is now recounting how those events affected her and those around her.
Well, Negan first appears in the series as a major antagonist. He has a very distinct personality. He's confident, often to the point of being cocky. His group, the Saviors, would extort other communities for resources. He uses fear as a tool to control those around him. His actions have a huge impact on the other characters in the show, like Rick and his group.
Well, it depends on your perspective. But generally, Negan is considered bad in the comic because of his cruel and violent actions towards the main characters.