I think it's a huge shame that we're in a position, because of racists, where we're effectively forced to think carefully about using otherwise innocent terms which have been hijacked and used to insult and belittle.
For example, I wouldn't hesitate to call a young white child a 'cheeky monkey' - it's just a silly, innocent way of engaging with them and making them laugh whilst bonding with them; but if I were out with a friend with a non-white child, I would deliberately avoid using it, in case offence is taken.
In an ideal world, skin colour would be no more than a simple descriptor to identify individuals in a crowd, like sex, hair colour or height/build, but the very fact that I'd feel the need to stop and think, "Oh, wait, this is a non-white child, so that might be misinterpreted" rather than just see another young child and engage with them on their level is very sad, I think.
I'd also be fearful of causing offence by offering a banana as a snack to a black child (in an otherwise appropriate situation, of course - not just a random passer-by). I'm sure this is ridiculous, but the fact that I'd feel the need to think based on somebody's skin colour also saddens me.