This whole idea about “not insulting the sellers” is pure hogwash. Absolute drivel. WTF, nobody seems to care about whether sellers are insulting the buyers with their price-hyping mania and inflation-mongering greed.
Agents that advice their clients “not to insult the seller” really are saying “I think you should offer full list so that I can get my fat commission right now without doing any real work”.
If a seller wants to be insulted by whatever, I personally do not care. What makes them so holy? I’m supposed to spend 100k more so that the seller can feel good? Dream on.