White, working class, born in the '60s.
Nigger, paki and chinky were beyond rude. The words did not surface in my house. I have always regarded them as insults and more importantly, my parents, born in the '20s, thought it too.
Neither can I remember any of my neighbours in my all-white suburb using those words either.
I recall them surfacing in my mid-teens when the National Front were all the rage. I was more into Rock Against Racism, so we despised those contemporaries.
I do remember Alf Garnett using them - more usually coon - on Til Death Do Us Part. But I do also recall my dad saying that this was supposed to be a joke on bigots rather than a primer.
My parents grew up in the East End of London when Mosley was trying to ferment racial hatred against Jews in desperate times. They weren't fooled and neither were many other non-Jews who knew an opportunist user when they saw one. But many people were.
And there are people today who deludedly believe there was some golden age where these terms were not abusive. There was never such a time.
So believe it or not, not every white working class person has the same experience as you.