Then I realized I wasn't sure what "pom" means (not a native speaker, and from the northern hemisphere) either, so had to look it up [2]: "(Australia, New Zealand, South Africa, mildly derogatory slang) An Englishman; a Briton; a person of British descent". It's more of the rhyming slang, didn't know that was a thing for Australian slang.
Indeed. Derogatory would be "Pommie bastard."
We tend to be "direct" and generally have no fear of speaking truth to authority: the whole "OMG we can't indict the former President" issue with Trump is confusing down here: politicians and people in positions of responsibility are held to a HIGHER standard of behaviour, not lower, and they'd be the first to be tapped on the shoulder (or we expect them to be, and would be asking why they haven't been yet).
You don't say it if you're over at mums for lunch on a Sunday, but hanging out with the boys? For sure.
"What's with this cunt?" etc is common venacular.
Among my friends and family, only the really thick UK accents aren’t understood very well. Glaswegian, Scouse, etc. The more common (on TV) RP, upper class Edinburg, and Highland accents are mostly fine.