Here in the south we have a very friendly form of insult. I will demonstrate (note southern accent):
Well, bless your heart honey. You just don't have sense enough to come in out of the rain! I mean, your bread ain't baked darlin'.
It is assumed that anything that follows the term "bless your heart" will be somewhat insulting. In court, the judges use the term "with all due respect to counsel." That means that counsel is NOT going to be respected. But, southern judges have to say that. It's in the manual.
"With all due respect, fool, this thread is folly and meaningless, a seeking after wind."
See what I mean?