I hear you, and I understand, but I feel that is important to remember that we all have experienced different things in life that ultimately combine to shape us as who we are.
[How did I do here at both passing and failing?]
Joking aside, it's the but in the first sentence of a reply (verbal/written/formal/informal/semi-formal/whatever) that usually gets me:
"I hear you, but..."
"Well! That's definitely one approach, and I certainly don't want to invalidate it, but..."
