It seems to me that a person who is upset by a polite decline - “It’s nice of you to ask, but I’m fine, thanks.” - has an agenda other than being considerate.
I believe you may be right...And the appropriate response from a gentleman to your polite decline is a tip o’ the hat and a “Good Day, Ma’am”...At least, that’s what my Irish Mother taught me when I was just a tad...