Women (and men if you choose to answer), when does a compliment go too far?

I often hear things that are insincere or plain rude. Do you find this often?
Because I am not even close to a perfect woman, I hear these 'compliments' directed at coworkers or friends. For me it not only insults women in general, but hurts me as a woman to think that a man cannot look beyond a hot young thing...
And often I get this response, I was just trying to be nice.
Gag.
What is your experience?