[bloak]

Your last paragraph is totally correct, in my opinion.

(It is probably also true that many people who use "racist" insults are not really being "racist"; they are just insulting in an effective, target-specific way. If they couldn't come up with a racist insult, but the target has glasses, they'd probably resort to "four-eyes". I'm talking about the UK here, by the way.)

[mirimir]

If someone is being "just insulting in an effective, target-specific way" that comes across as racist, then they're being racist, no matter what they may really feel, or what they may think that they really feel. And it's the same for sexism or any other *ism.

[bloak]

You may choose to use words in a way that deliberately obscures an important distinction in the real world but please accept that other people may choose not to.