Shikur Ferd, generally when someone starts a sentence with, “No offense but…” it is generally followed by something offensive. “I don’t mean to be rude…” is generally followed by something rude.
Calling someone a ferd followed by “It’s erev yom kippur so I’ll refrain” doesn’t change the fact that you just called someone a ferd on Erev Yom Kippur -because you disagree with what she said- in what can only be considered public. Because as someone once said “and then it’s available on the Internet for the rest of the world.”