I think it depends where you're from as well, round here everyone says "chuck" and "love" and things to women and "mate" to men, even strangers in the street or shops.
I tend to use affectionate language because it's what I'm used to and was brought up with, and because when I'm replying to posts on this site I'm usually trying to reassure someone.
I'd actually find it a bit hurtful if someone turned round and accused me of being patronizing when I was genuinely offering support and reassurance.
But whatever.
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