I'm right with you dude. I was raised in the Deep South by mom that would back hand me if I said anything disrespectful to a lady like that. I'm a jokester, a prankster, have one of the foulest mouths in theworld and an R and X rated sense of humor. That said, if I am going to compilment a lady I will do so in a proper manner. Whether she is attractive or not should not be in a greeting, even if you are attracted to her. There is always a proper way to show that attraction.
Me too, I can come up with quip for just about anything. I'll let loose on other dudes. I love a good insult back and forth. There have been a few women I'll do it with. But they're women I've known for years, and know what not to joke about them. With women I don't know, or not that well \, I won't even bother even counter even if they start.