As for my scenario, i personally don't typically find the need to use the word. I may have used it while repeating song lyrics or something like that but certainly not often.
I can recall one time calling a black person the word. I was 17/18 and my grandmothers neighbor, a black woman, called my 75 year old grandmother an "old b****" and threatened to kill her. I overheard this and went outside and told the neighbor to "get her ****** butt in the house before i killed her." We argued for a couple more minutes before an older black man i kinda knew was walking past at which point the black woman threw out the n word card. "He called me a ******." Her thought was the black guy would hear this and defend her but since i knew the guy he asked me what happened. So i told him the full story at which point he said " well, it sounds like you were acting like a ******". Anyway, this was obviously something that happened in my youth. I was young and dumb and didn't think before i spoke. And it's certainly not something I'm proud of.