Can you please use the word in a context that is not insulting?

lets say for example, you left your car outside, and it rained, and after the storm passed you realized you left the windows down. I would say that it would be a pretty "retarded situation" my response would probably be something along the lines of "well that was retarded" both literally, and on my end.

How would you describe someone or something as “retarded” without implying that there is something wrong with the person or thing?

If i'm using it to insult people, i'm referring to people who have a functional neurology, and aren't actively using it, for whatever reason. As opposed to people who are intellectually/developmentally disabled/challenged whatever you want to use works, who cannot function on that level. There's nothing inherently wrong with having a lowered level of neurological function. There is something inherently wrong with being so obtuse you obscure your own intelligence in stupidity, and be a retard in the process.

If i'm referring to something stupid i did and it's not a person. Something like the previous car example. I might design or build something, and in the process i realize i've made a significant mistake, misplaced some key component, and done something irreversible that needs to be undone, that would be retarded.

I mean, if you literally google the definition of retard it says: "to stay back" "put off, post pone, or delay" Of course the perjorative version was historically used to insult people, specifically those of a lower intelligence. But just because it was once used that way, doesn't necessarily mean i'm using it that way now.

whenever i say it, i'm almost exclusively not referencing people who are developmentally challenged, i'm referencing people who are fucking stupid. You could call them developmentally challenged, but then you're just doing the retard thing that happened to make it a pejorative in the first place. And even then, that's not necessarily true because it's such a sterile definition.