Yeah.
I try to be “in charge” of the bill when I’m out with friends, because some of them are (imo) under-tippers, and I’m admittedly an over-tipper because I’ve had quite a number of people in my family who at some point in their lives were waitstaff or bartenders.
If the friends ask what the amount is before tip, and they think I’ve added too much for the tip, I back down, and then I just throw in more (without them noticing).
I know that sometimes, the less than stellar service might have as its cause nothing to do with them in particular, but a backup in the kitchen,,etc. Also… we’ve all had days where maybe we’re not at our best.
The caveat here is, of course, encountering outright rudeness… um, yeah, not going to reward that with a big tip, but also, I’d let a manager or owner know what was encountered. Personally, it’s never happened to me, gratefully.
Also, chaz, I agree on (when possible) the tip in cash.