Question Author
Dollie, thank you for replying.
It's well-meaning of you to want to 'sit on the fence' for fear of causing offence*, but maybe you shouldn't, and I hope that you don't. I think that to do so would be 'political correctness', i.e., not expressing an opinion that you hold, not because your views have changed, but because you think others might not agree.
Perhaps it was a question stating a point of view, but you did ask a question - and you got replies. Some of the replies not only put forward a different point of view, they were also backed up by experience (second-hand, it has to be said). I hope reading them might make you think differently. Self-imposed political correctness stops us (on either side of the fence - if there is one) thinking about an issue and entrenches us in our beliefs. I see what you have said as a common-sense approach - we should be able to use words freely and take them at their face value without any connotations, but I'm afraid I also think that it's not as simple as that, as others have also said.
Anyway, I'll stop lecturing now. Wishing you well.
* no offence taken.