I agree with stradial. Yes, I have been a server. Both church-goers and women are notoriously bad tippers.
For that reason, I am always generous - because I've been in their shoes. And I generally tip well even if the service is bad, but I will comment to either the server or the manager. (I figure if they're that bad, they will probably reeeaaaalllllyyyy need a good tip!)
Edited to add: the women seem to be doubly bad, because not only are they "chintzy" with the tip, but they are also extremely high maintenance. Yep, I said it!