It all depends on the situation, the receiver and the giver.
Words are words, and can be powerful both negatively and positively in certain situations.
No submissive wants to be called a worthless whore, or a stupid cunt by just anyone. That is more akin to bullying and disrespect.
Verbal humiliation is more of an erotic type of play and used between consenting adults.

Some like it and some don't. Some thrive on it, others cannot tolerate it.

I love verbal humiliation play. I enjoy being degraded, humiliated and lowered to the point of being an object.
I am not able to just play with anyone this way, I need to know someone well enough to be comfortable and at ease.
If I consent to play with verbal humiliation, then no holds barred. If I don't consent to it, then don't even try it, I won't respond nicely.

I enjoy pretty much all types of verbal humiliation, so whore, cunt, worthless, garbage, stupid etc... can send me into whatever subspace humiliation junkies go to.

I have never had the word stupid used on me, and I'm on the fence as to whether or not I would enjoy it. I'm sure though it wouldn't bother me much as my main objective is to be completely objectified.
I don't have to hang a bunch of diplomas on the wall, to remind everyone I'm not stupid, I already know that I'm smart, and am capable of making it in the world on my own.
So for that brief moment in play, that is where I want to be, verbally brought down a notch.

As for normal everyday conversations, he'll usually use my name, when he's in Dom mode, it's usually whore, cunt, or slut.