Suppose...

[Boiler14]

"Where did you get your patch!?"
"Did you get your patch at K-mart?"

I've heard fans yell these before, however, I don't recall this coming from any coaches. I did once have a coach say (in a calm non-threatening tone) that he feels sorry for my students. I just told him my students love me and left it at that as we were in transition. Although you should start each game with a new slate, I haven't had any problems with this coach in previous games.

Personal attacks (on you or your crew) should get the T for the most part IMO. Without tone and content knowledge I would hate to put a 100% guarantee on that.

[rainmaker]

I'm with Dexter. If the coach says it as a joke, in conversation before the game or something, that's one thing. If it's during the game, I can't imagine the circumstances where it wouldn't be a T.