I use it quite a lot, but that's because I don't believe in such a thing as "bad words." Words are a human invention, we decide what they mean, so we decide if they're somehow "evil." And honestly the words that are considered "bad" are mostly words that refer to natural bodily functions or anatomy. Fuck=sex, shit/crap=poop, piss=pee, dick/cock=penis, pussy/****=vagina. What makes fuck better than sex or intercourse or making love? Just the fact that our parents said that it was bad, their parents told them it was bad, and so on and so forth.
BUT words such as ******, wetback, ******, oreo NEVER cross my lips as an insult or slur because those actually have hurtful meaning and intent. Unless having a discussion or debate of some kind, you normally wouldn't say those words unless you're trying to insult someone over things they can't change, their skin color, their heritage, their sexual orientation.
That being said, I do try to be mindful of when and where I use my language. Around my peers and friends, alright, around my professors, grandmother, and other people that might be offended, I don't. I don't mind restricting myself because I like others to be comfortable around me.
EDIT: OH! and I've lived a man (my mother's boyfriend) who felt he was better than everyone else because he didn't swear. I have never wanted to scream FUCK into a man's face so much before in my entire life. I HATE those people. If you don't want to swear, that's fine, but it doesn't make you better than me.