You have to say something !
Trust me !
If you say nothing , you may be accused of not caring.
If that happens , your best option is to man up and admit you're scared , and hope that you'll elicit a laugh ;)
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I remember, at a party, a neighbour ( who is a barrister ), telling me that he never wins an argument with his wife !!!!
of course you never really win the argument as if you do, you come home with no tea/dinner on the table, nothing done, place a shambles, you get the cold shoulder and get no sex so you never really win, its best to maybe be tactical about it and let them think they won :o