The "sophiscated insult" example you gave would be accepted because they say that they think that person is wrong, and being whatever it ws that you said. That's different to saying they're stupid.

For example: I could tell Breine* I think his view on pancake flipping is ridiculous and illogical, and anyone who tried it his way would have to be stupid and wanting to be burned and not get banned because it's what I think. OR I could tell him he's a stupid retard who was clearly raised by invalids if he thinks that pancakes can be flipped sideways. I mean, seriously, how many toes does he have? That would probably get me warned, if not banned.

But yeah, your point remains the same. I just thought I'd pick you up on that before anyone else could use it against you. BECAUSE I LOVE YOU DELLAS!

*This has nothing to do with Breine, other than the fact he's right above me. For all I know, he could be an expert pancake flipper.