As I always say, context is everything.
If I was travelling in my car and the engine blew up, and I was travelling with male companions, my comments would be different from those I would use if my wife and daughters were in the car.
People who go through life trumpeting that they 'believe in plain speaking ...' simply demonstrate a lack of empathy combined with an undeserved sense of importance, believing that their (usually pointless) opinion should be heard by the assembled company, and couched in terms that make no concessions to the sensitivities of others.
For that reason, I avoid 'saying it how it is', and prefer to say how I see it - which is very different - in a way that does not deliberately ride roughshod over others present, and which invites disagreement if any is caused.