Great question, Aaron, and honestly, it speaks well of you that you're thinking about it this way.
The straightforward answer: no, it's not offensive to ask. Any experienced agent has had the conversation before and won't flinch at a respectful discussion about compensation. What matters is how you approach it.
That said, here's my honest take as someone who's been doing this a long time on the Big Island:
Commission reflects service level. Selling real estate, especially in a market like Hawaii, isn't a part-time task. I'm talking professional photography, targeted marketing, MLS exposure, open houses, negotiations, transaction coordination, out-of-pocket expenses, and often months of work before a single dollar comes in. A reduced commission can sometimes mean reduced effort, and in a luxury or complex transaction, that's a real risk.
You get what you pay for. The few percentage points you might save on commission can easily be lost in a lower sale price, a deal that falls apart, or a costly mistake in the contract. A skilled agent more than earns their fee in net proceeds and peace of mind.
My approach: I charge a minimum of 2.5 to 3% depending on the property. I don't cut corners, I don't outsource your listing, and I bring my full effort to every transaction. I'm upfront about that from day one.
So by all means, have the conversation. Just know that the best agents know their worth, and the right agent for you is one whose value is easy to see.
For reference, here's my approach to buying and selling (in Hawaii):
https://pennhenderson.com/buying
https://pennhenderson.com/selling
Mahalo,
Penn