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  That is entirely true, it's completely based on how you were raised and your experience in your young adult years. For me, swearing is second nature and best when combined with certain tones & accents to really add insult to injury.
context: This is really not a debating point but I'm from the UK and everyone I know swears a lot.. Its not even something I ever think about. To me, most are just words, aside from slurs. So yeah I guess they are important here. My wife is american and I've noticed Americans either don't swear much or swear a lot. Not that many in the middle