I believe that we may be talking about different types of offense here.  
My concern centers around power dynamics and the ways in which 
persons are belittled and controlled through intimidation and verbal 
bashing.  Language as a primary mechanism of social control.
Your statement regarding generalizations is telling.  Most minorities 
do NOT consider generalizations to be 'just' generalizations, and 
most conflict theorists consider them to be legitimate causes of anger.  
After all, these generalizations were used to hold people back all these 
years, and minorities are sick of hearing them.  They certainly have 
no place in advanced intelligent discussion.  As I write this, I 
wonder why this isn't a completely obvious point to persons like us 
who hope or claim to be advanced humans.  I certainly wouldn't want 
anyone I deal with to think that I believe dimwitted garbage about 
their particular identity.  And I certainly wouldn't want to inflict 
any emotional pain on them in that manner.  But that's just me, I 
guess.
Sin,
Kathryn Aegis