Depends who you don't mind offending most women or black people.
Seriously though i've heard women say "prick" many a time.**** is fair game imo.Ghetto is in itself not a racist word.
I'd say **** is more jarring to the ear.You call someone a **** they know you mean business.So i vote for ****.
Megan was not racist but she was close.If she'd said 'black ****' then that would have been racist but.....She did'nt.