Swear words don't bother me unless they are used in front of children or my mother. What I dislike are derogatory phrases, like, snake with t*ts, when referring to women and I am sure there are some to describe men, although at the time of writing this I can't think of any.
I do however always have a knee jerk and aggressive reaction to the use of the word, cow, when directed at someone, my ex hubby would use the word toward his mam and said it was as a term of endearment for him!?!?!
That always baffled me but I did notice it was used frequently by people where we lived at the time, and I do know that my ex did love his mam very much. In my opinion he was, a mammies boy, he even described himself as one.
I think it's the disrespect that offends more than the words, I would never disrespect someone by swearing in front of them if I knew they found it offensive, and that also governs how I speak when in public. I do swear, but infrequently and only when I know the company I am in would not be offended. I cannot remember the last time I swore at someone.