Emily's Cat
Rarely prone to hissy-fits
Now, for the rest of us....
I think the hilited part is the key. Many people might think of something like the N-word, or all sorts of sex and gender related things, but we know it's bad, so we make sure we never say it. Moreover, I want to emphasize I am not saying "we know we'll get in trouble" or "we know that it's not politically correct". I mean that there are certain things that truly ought not be said. Really. It's just the wrong thing to say, and most of us make sure we don't, and we don't even have to work very hard at it.
My upbringing was such that I genuinely don't think of racial epithets... pretty much ever. It's never been something that has run through my mind when angry or upset. But I also know that's specific to my upbringing and childhood.
On the other hand... I go to a fair bit of effort to avoid using other terms, particularly gender-based expletives. I won't use the c-word, or the b-word, or the d-word, for example. Even if they frequently pop into my head, because it's common terminology that I've run into throughout my life.
To your point, if its a term that was used enough around someone, especially as a child, it could feasibly pop out.