“You brought up using humor which is very smart. And yes the response has to be intelligent. At the same time, some people will not hear even intelligence from someone based on some prejudice, such as “if a woman says it”, or “a Jewish person says it”, etc.”
True. I don’t know if that would always be the response either. But it is possible that it could be in certain types of circumstance. You have to use your judgment about these things. In general, the best thing usually is to hold yourself upright, maintain your dignity, act as though you are unaffected by what they are saying, and walk away (if possible).