You don't use some words only if you think the other guy would classify that as an insult (unless you want to insult him). If you dont know someone classifies something as an insult, you might use it on accident.

There is a set of rules that I use to describe an insult (which I have gotten from my culture). You have one, probably everybody has some set of rules. Some general set of rules. If my set of rules does not classify something as an insult, I will think it is safe to say that.

If it happens that I say something, which you consider an insult, and I don't, unless I understand what is it about, I will need to remember "never tell to Jiro that you love him" (I simplify for the sake of shortness, but there are other parameters inside that statement). I assume there is an underlying explanation behind your rule. This is probably not the only thing you would consider an insult and i wouldn't. Maybe you will consider an insult "I hate you", "I like your dog", "You love me", or whatever, but I cannot deduce that based on the "never tell Jiro that you love him".

Help me. I literary see chaos in your statements. I cannot deduce anything better than "Jiro (and maybe culture he is coming from) is quite different from the people (cultures) I faced already". I don't know if you can imagine that state of knowledge about something. It's mostly empty with only one example.