When playing with a few people in person you expect a little insult here and there. It usually creates a good night, with a good giggle.
But being British, it might be that I enjoy a good friendly jibe. In the right format of course.
I don't bother on line as I can't see and don't know enough about the person I might be digging into. It is to easy for things to be taken wrongly, misunderstood or out of context. So I don't respond or even acknowledge it when it is pointed in my direction. Though it might generate a giggle on occasion.