I hear it all the time, but I cant agree it is just a word, and has no more Intent than bother. I dont discuss on here the work I do, but I have been called a F...... B...., and other profanity, so have my colleague's. It is not tolerated because when they swear it is accompanied and associated with aggression.
Also unlike bother, the F word and C word, are expletives with sexual meaning and are offensive. I never hear words like bother used with aggression.
I would also add, when I my fingers got trapped or I tripped I have been known to say F......ck. I have also used it when I traveled a few miles and realised I forgot my credit card and I had to pay something.