I'll offer a near miss.
Chat amongst colleagues over a coffee, the topic was something very normal and mundane: how lazy are we about cooking.
My colleague Carol said, "sometimes I just throw some chicken nuggets in the toaster because I don't care or have the energy"
My response I intercepted between the brain and mouth: "living the bachelor lifestyle, carol?"
Carol's husband had died quite suddenly 6 months prior. I didn't fuck up, but I almost did and it haunts me still over a decade later.