Situations can be different, so it is advisable to adjust your behavior in accordance with them.
For example, if you yourself have offended a person, and you understand that all his insults are just an insult to pride and an attempt to avenge the insult, then it is better to remain silent. Perhaps the interlocutor is tormented, and additional remarks will further aggravate the situation.
If you began to be unfairly offended, or even “for no reason, no reason at all,” then your opponent probably wants to “blow off steam”, and it is quite possible that you simply fell under a hot hand. Of course, in this situation you shouldn't be a “punching bag” - put the offender in his place!
If you are offended by a person who is clearly in an inadequate state, then it is better not to have anything to do with him and not to get involved in a dialogue. We are talking about a person who is hysterical, is in a state of alcoholic or drug intoxication. You will not be able to prove anything to such an interlocutor, and it is even likely that with your answers (any!) You will provoke him to a new stream of aggression or even to the use of physical force. It is better to avoid communication with such people, even if you surpass them in physical parameters - you should not get involved in a skirmish that is unlikely to end with something good.
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