Dr. Zoidberg said:- One of the things I hated in Saint's Row was the overuse of the F-bomb by everybody, but especially pedestrians. I don't have any problem with cursing, but it seems in GTA4 walking/driving around that all the peds are talking like sailors. This can be overdone, IMO, to the point where it is ridiculous and harms the immersiveness factor.
I thought the same thing until I went to a different part of the city(don't remember the exact location though).
In the area that you start the game in, everybody is offended at every little thing you do, telling you off and everything.
But in the part of the city that I was in, I tried to bump into people so that if they give me a really negative response I'll have an excuse to shotgun them to the head and couldn't for the life of me get anything remotely snarky. I pushed around men and woman until they fell and most of them didn't say anything and ran away. Some said things like "at least buy me dinner first" or "please leave me alone" or "be careful".
So I guess the responses that you get are affected by the part of the city that you're in. If it's a poor/seedy neighborhood vs something more upscaled.