I never use it online, even when playing with friends. I may occasionally use the "n-word" when hanging out with my black friends (I am also black). Basically, I never use use that term outside of my own culture.
Well, since the "n-word" is derived from the word negro, literally meaning black, the fact that you couple that with an "ignorant person" is the very definition of racism, no matter who you direct it at. When I use the "n-word" (and it's always within my own culture), it is used as a term of endearment, or to make fun of the absurdity of the term itself.
" listen folks, i only use the n-word because i believe it simply refers to a ignorant person. perhaps you are the REAL racist for thinking that i am talking about black people. makes u think.... "