Nor would I. I actually prefer cracker because it let's me know if the speaker is even worth listening to. Same with ****** - if that's the term that you need to use then you are likely not intelligent enough to bother with a serious conversation.You can call me red-neck, or cracker, or rebel... I won't be offended in the least.
Red neck is different. I don't see the inherent derogatory reference in red neck. I do with ****** or cracker as with many others.
Non offensive uses of the term cracker - a native or resident of Florida or Georgia; a hacker.