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as a general rule, it's best to stay away from things people can't change. this applies for everything, negs and even pissing about with your mates.
Thats a good rule.
And also stay away from things that can cause a psychological pang for them. Like if youre target is married or has a BF steer clear of insulting or hurting her feelings with anything to do with guilt-ish things. I've been there done that and was forced to apologize, nearly derailing me. Would've lost that one if I didnt keep the apology sincere enough as well as SHORT. If you must apologize, Do NOT kill her with AFC style apology and grovelling, keep the frame.