I like a bit of trash talk, usually when on COD4. i'll give some stick to campers, usually along the lines of (after headshot) man, you take like you mother did last night, MONEYSHOT!! or telling my mates that they suck if they don't do well in team games. On the whole, I avoid generic insults though, no imagination.
Example: playing HC SAD, just been killed planting bomb
Me: bugger, didn't see that guy
Random Yank (on other team): just so you know, he's tea-bagging you.
Me: oh well, i guess you have to get your jollies where you can in a war
Random Yank: dude, you are so gay, he has his cock in your mouth.
Me: hang on, I'm dead, he is defiling my dead corpse. How exactly am i the gay person in this relationship? he could've bought me a drink first, maybe tried a chat up line??
Yank: OMG you really are gay!
Me: your team mate is a necrophiliac rapist with the manners and breeding of a baboon of dubious personal hygiene, and you are worried about MY sexuality??
Yank: OMG you're BRITISH! go brush your teeth, and drink some tea!
Me: how original. Since you are american, and its approx 2pm that you are a fat geek, with no social life and no carnal knowledge of women that aren't outside your family?
Yank: i hope your whole family dies in a fire (RAGE QUIT)
my team won the game as a whole.
I find a nice dose of sarcasm is the way with trash talking...or the mute if i can't be arsed