I am enjoying this thread; it may have been done before, but newer members like me will have come along in the meantime, and - more importantly - language is changing fast, and this year we'll be hearing a whole raft (there's one to ponder) of new expressions that may or may not catch on.
I quite like many of the catchy new turns of phrase, and may use them playfully or ironically. Would I call a group of my WI members "guys"? I just might! But when we were discussing what we should wear under the short skirts we wore as Cheerleaders in the village Carnival - and my word, we were a sight to behold! - we only ever talked about "white knickers". The word "panties" did not cross our lips or even our minds.
I don't like the phrase "my good lady wife" or similar, but that's one I regard as old fashioned. I don't like the modern "babe" or "babes" either, but don't think anyone has ever called me that or would ever attempt to.
Here in Devon, people in shops may call you "my love" or "my lover" regardless of the gender of either party. I find that quite charming, but I agree about using "Love you!" as a regular greeting or way of ending a phone call - to me, that devalues a precious phrase that should be saved for special, tender moments.