I would’ve responded, “nope I’m good, you fat cow.”

"You've got to accentuate the positive (skinny), Eliminate the negative (whore)..." Even then, you can spin "whore" into a compliment -- she's essentially saying you're so attractive, you can sell sex instead of futilely attempting to give it away. Keep up the good work, you emaciated prostitute!

did you point and say its actually gym sweat you dumb bitch

Obviously not a military town. Would’ve yelled “Get Some!”

Cough on her. Sneeze on her. Tell her "I was working out you dumb bitch"

my response. " your husband can warm me up tho"

You should have said “nope, your husband and your brother just gave me a really great work out in my living room”