I agree with your main point,* few people will be bothered by such an example, BUT its easy to use more inclusive language, so in my opinion the benefits still outweigh the costs. So it takes us white hetero males from middle/upper class backgrounds a few extra seconds to come up with examples. I think we can handle it.

*I don't quite agree with your categories... people may find it complimentary, or at least not believe that the author is trying to exclude them, but still be distracted from the point of the sentence or be reminded that they are a minority in our community, a reminder some prefer not to have.