Chiyaka entirely true. Your entire post is full of truth. Thank you, you have just made my day. I was taught when I was younger by my school that in the "t" in tsunami is silent because it is silent in Japanese, which is definitely not true. My mom was taught the same thing, but I don't know who taught her that. English (US) speakers [i]can[i] say "tsu". In fact they can say many things in other languages, some are harder to pronounce than others. If one can't pronounce "tsu" practice is really all that is needed. I watch a lot of Japanese shows (non-Anime included) and listen to a lot of Japanese music and hearing the words over and over again is what helped me. Now I can pronounce and spell in the Japanese language better than I can in English. Which isn't exactly a good thing, I might add. I even have their "r"s down. So let me say it is possible for English people to pronounce "tsu".

EDIT: Here it's like 'no offence' but, with less offense... and I've also heard it as, and said it as (sorry) "just saying". I've never heard it over used here, though. "Like" is the word over used here and it is entirely annoying. I've read some of the comments and I guess the "I'm just saying" phrase in my area is different than others, as it isn't used with insults.

I completely agree with Cali girl (her comment posted December 11th 2006). It's the same in my region of California (in the mountains and hills East of Sacramento), or at least very similar. Here the statement just means: "It's a statement. Please don't look into it too far and please don't be offended." = I'm just saying.
I've only heard this phrase with this particular definition placed at the end of the sentence, whole topic, or end of the entire post.
Largely it just means please don't be offended and isn't meant to be placed at the end of insults and racial comments, just as an opinion or statement backer to prevent insults.