Charisma will affect how well the idea is communicated, but isn’t necessary just to give fairly basic insults. A low charisma character can easily come up with the idea of saying someone has a little dick and that his wife and mother sleep around. He’s just a lot more likely to stumble over his words and sound unsure about it. He’ll deliver it in the classic style of a 12 year old playing call of duty rather than with the effortless wit of an insult comic.
Charisma will affect how well the idea is communicated, but isn’t necessary just to give fairly basic insults. A low charisma character can easily come up with the idea of saying someone has a little dick and that his wife and mother sleep around. He’s just a lot more likely to stumble over his words and sound unsure about it. He’ll deliver it in the classic style of a 12 year old playing call of duty rather than with the effortless wit of an insult comic.
I think they mean a real person, the player, would need a minimum of “12 charisma” to even think of saying something like that to the DM.
And the meme says “me with 8 real life charisma” y’know, so less than 12.