Hello Jeff,
Thanks for posting in the VSD Forum.
In street situations, some people can just shrug off a verbal challenge no matter how many insults were used. Others will be tempted to fight at a slightest provocation. A persons character, and upbringing, has a lot to do with it. I know some people who wont fight unless they are physically attacked. Some will ignor the challenge. Others will appease the challenger by agreeing with whatever is said. I know others who will attack without even giving it a second thought if you say something derogatory to him or about his lady friend who might happen to be with him at the time.
In the dojo, I do not condone classmates bringing verbal challenges to other dojomates. I try to instill an atmosphere of camaraderie in the dojo. If two students are sparring with animosity, I quickly separate them, lecture about dojo etiquette, that sparring is to be done for learning only, not for one person to see how much better he is than the other.
If a verbal exchange is used after class, whether inside or outside of the building, I would hope that my students have learned enough from my lessons to not escallate it into a fight.
Remember that old saying? "Sticks and stones may break my bones but words will never hurt me."
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when are we required, compelled AS martial artists, to cross the line into the physical, because the proverbial challenge is though seemingly friendly, a genuine challenge none the less?
I can answer this question fairly easy...never. The key words in your question...seemingly friendly...mean that as an artist (I shun saying expert), it is my duty to not allow myself to be drawn into a confrontation simply because someone is taunting me with a verbal challenge.
On the other hand if the challange was phrased with wording such as, "I will hunt you down and kill you and your family as soon as I can." I would seriously consider some form of defense against this person. It may involve calling the Police. If I could not leave the area, then physical self-defense. After trying to de-escallate first.
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Len