The n word is just insulting right off the bat because of society. If I head white people say it, I honestly think its dumb. If a black person says it, I don't think much of it. (Im white, just fyi)
This is all because of how I grew up. I was taught not to say "Nigga", "Nigger" etc.
And I stick to it. I'm sure black people stick to the reason of why it is so bad from past slavery, and I respect that.
But people throwing "nigga" around non hostile like is fine by me.