20-year old female here
I’m going to steal Bugnorton’s list, 'cause I’m lazy… my answers will be bolded
Broad - Antiquated, yes/offesive, no I think it’s neat, and use it all the time, but never to someone’s face, but more as a general term "So this broad says to me…"
Girl - Offensive right out no matter what (unless it’s my mom referring to me and my contemporaries) ok between equals (friends of the same age), or used towards a female under about 13 in any situation (but never “Hey, girl…” in a rude way), or used by an older acquaintance or family member
Chick - Offensive (unless it’s Mr. Bugnorton and we’re having a rather frisky time) see “broad”, for both, never in a business or formal setting or with people I don’t know
Woman - Okay, generic ditto, but the fact that it is two syllables makes it so awkward to work into conversation sometimes
Lady(ies) - Almost always preferred (except in context of “look lady…”)** Appropriate, given respectful tone of voice and context, but it always feels out of place to me except when addressing a large group, or a pair of much older women (older than myself, of course)**
Ms. Bugnorton - Almost always perfect** make mine Ms. Finette, but since I am so young, it feels odd outside of business/academic/otherwise formal settings. I suppose I feel uncomfortable being given the honorific by an older person/one of higher status, see “lady”**
Bug - we know each other and are on the same playing field (socially or professionally)** ditto, except I guess I’m the 'Nette!**
Hon, Sweetie, Darlin’, Cookie, Pumpkin, etc. - Totally unacceptable under any circumstances ditto, but with the exception of “toots” which is a mutual term of endearment between the SO and myself (also pulled from Sinatra, interestingly enough), and my mother, who calls me Sweety, and the SO’s mother, who calls everyone "dear"
Rarely have I been able to categorize things so neatly…
ditto once again, and thanks! I think it all comes down to context and the relationship between the speaker and listener, but that applies to most spoken terms, I suppose…