"Git" can be a more potent insult than it has been given credit for so far.

A "smarmy git" for example is a sychophantic slime ball.

If someone spilled your pint, and you thought that encouraging him to buy you a new one might result in your hospitalization, you might turn to your friends and say "what a total git"

I've never heard a woman called a git, so I think that, like "bastard", It is predominantly a male insult.

As for "Toffee nosed git", this is usually used to describe politicians, judges and the aristocracy. It is by no means endearing, just funny.

lox