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I’m in my 30’s and haven’t heard it out in the real world either, but that’s probably because the assortment of individuals who use females as a pejorative either don’t use it in public because it’s cringe and they know it, or because they don’t go outside.
That’s only my educated guess though.
This is why my husband and I got married after 10 years together. Originally neither of us cared because we were essentially already married. But doing it officially then I could be on his insurance, and if anything happens where one of us gets incapacitated the other can make healthcare decisions. Sucks that’s how it works though.