The word nigger means one thing and one thing only. It's a derogatory term used to refer to black people. It is perfectly understandable why you would offend someone by using it. (It is not perfectly understandable why some black people choose to refer to each other as "nigger.")
The word nigardly is not derogatory, doesn't refer to black people, and in fact doesn't refer to any specific race at all. Getting offended at its use is an indicator that the person getting offended is an idiot. It's rather like getting offended if I say the word "duck" because it rhymes with "fuck." Doesn't make sense.
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