I don’t know about stuff like this....it’s all so very tricky.
Obviously if we accept your post at face value, OP (and I’m struggling, tbh) you are not racist and that woman was an ignoramus.
But we live in a racist society - a fundamentally, structurally racist society where white privilege is an actual, measurable, visible thing. It’s not just an academic theory, it’s a fact lived by every single PoC every single day.
Most white people in this country, me included, are not racist in the “I hate black people” sense of the word, but that’s not really what PoC are talking about when they discuss racism & it’s not what we should all be focussing on until/unless such explicit hatred is expressed. It’s the implicit, subconcious stuff that’s doing the most damage.
We cannot hope to live in the kind of equal society we mostly all want until those of us granted privilege because of our skin colour confront and address the fact of it. Not to do so is, when all is said and done, racist.
Calling a black person a monkey is racist. We all know that. There isn’t really any logical way of claiming that the racism is reduced the smaller the person. Yes, an individual may not be expressing racial hatred when they call a small child a “cheeky monkey” but what about when they are? Because “monkey” when applied to a human being usually IS racist.
Given that most of the world’s population would be seriously and justifiably offended to be called a monkey, it seems pretty obvious that we should stop using the world to describe any human being at all.
It’s not racist on the face of it to call a small child a cheeky monkey but it is racist not to understand or care about the issue when people try and talk about it.
These things do matter.