Seeing as I am a hetero black female I can’t give any response to the F-word. I personally never have and probably never will. (I can’t picture myself saying it, but i don’t know everything)
As far as the N word, the same points above are agreeable. There is a back in for with black folks about the word and how it’s used in our culture. Some poc feel like you shouldn’t say it period, others argue it’s their way of taking it back. I personally don’t care if the author is white as long as they have spent time within the culture. That does not include just listening to rap music. So my opinion is this…
If you can still produce a good story or scene without these words…don’t use them. It’s not with the uproar and backlash you might receive. If it’s an important piece of the narrative say your story takes place in the deep south during The Civil Rights Movement, that’s different.
Just my two cents though