"So if you make racist jokes, and people aren't offended, that means it's completely fine, nothing offensive about it?"
Yes, I believe that 100%. If the people I'm telling the joke to aren't offended, I don't see the problem.
"Because it's easier to play along than upset the evening or seem like they were picking a fight."
Well, then it clearly can't be bothering them that much, can it? I won't apologize for not being a mind reader. When I have a problem with someone, I either tell them to their face, or hold my tongue, if I think it will come back to bite me in the ass. Since I'm not in a position of power, there's really no excuse for someone not telling me if I'm doing something they don't like.
"The only qualifier you gave was "formal setting"."
Perhaps "formal setting" was vague? I meant anyone that I'm not on a first-name basis with and doesn't hold some particularly impressive title. Again, if I wouldn't call their male equivalent "guy," I wouldn't call her a "girl." Still, I don't see the problem.
"But we're supposed to believe you that you wouldn't ridicule people who object. Right."
You can believe anything you want, it's really of no concern to me. I've already told you that if someone asked me not to call them girl, I wouldn't. Clearly, you think I'm a liar as well as a misogynist. There's really nothing I can do to prove otherwise, nor do I have the interest to try.