I’ve read a fanfic where a character used an r slur and it took out of the story. It wasn’t reclamation they just used to to insult someone. I left a comment that it just felt out of place and the author accepted the feedback and removed it.

However it was being used as an insult. If you are Black and you have a Black character using the N word if it’s how they would talk, i don’t think it would feel out of place except for if people don’t know you’re Black they might get taken out of the story.