No, but what I'm saying is that it's hard to stay perfectly courteous every time when something has been hashed out a hundred times and then somebody discovers it hudred and first time and demands you type out a personalised reply again. It might not be ideal, but the reality is that people tire of doing the same thing all the time, and the routine has various effects on their behaviour. So as long as people aren't clearly unnecessarily and personally rude, I'd advise caution in lumping insults together with occasional use of stronger language, or you will end up effectively punishing the people who spend the most time on the site for that fact. Civility is good, but like most good ideas, you can't enforce it mechanically. See various "zero tolerance" disasters in US schools for examples of what happens if you do.
So? It is part of the job description to deal with the same issues and people not being in their best moments. I don't see it being professional or productive to use stronger language, especially since the rules include "unintentionally insulting" You calling someone full of shit, or something similar, may not be insulting to you so you don't use it as such, but that may not be the universal standard.
Zero Tolerance is a separate issue and doesn't work, even in cases where it doesn't work, its not the norm. Zero Tolerance for guns is a good policy, for example, and a lot of criminal justice system is enforced mechanically. Regardless of if that is right, and there are many exceptions, that is the standard in play right now.