When people say "with no insult," it generally precedes an insulting or condescending remark. Why then would your comment be any different in that regard?
"X + 1 max" is prescriptive, but that's because there is limited space in a PHB and not every desired subclass can be accommodated therein. So this puts an admittedly artificial limit on that to force decisions.
And sometimes people just mean what they say and are trying to be delicate to someone that takes everything personal and thinks in disagreement and criticism is a personal attack of some kind.
