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Not so much insulting as it is annoying. Depends on where you're from though I guess. Hey "man" tends to get used more around here. Although that phrase even seems to be getting restricted to pot smokers or younger kids.
One friend of mine uses "buddy" all the time.
"So I was over at buddy's house", or "hey buddy". I hate that.
He also uses "chief." I can easily see how chief would be insulting. Especially when he gets saying it in one of the local bars where the boys from the reserve like to hang out.
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