If free speech is a right, then one has a duty to be offended (at times), otherwise the freedom of speech isn’t being fully exercised, IMO.
Like BW, I too will put in some research into the story, creating backgrounds, etc, because I like a certain plausible realism to it, but there are definitely elements that aren’t realistic. Heck, some of my characters would likely have been labeled as sex offenders a long time ago…. That said, there are aspects of the story where the research isn’t needed, and a stereotype works adequately because it’s not the main point. (ie, a waiter, a clerk, or otherwise unimportant role).
Just my $0.02 worth.