A phrase used to assert that one is just offering their opinion, especially if the listener may be offended by it. I'm just saying, your husband could help clean up after dinner. That's all.

I acknowledge what you have said and am sympathetic to it. The phrase is sometimes used as a prelude to disagreeing with what has been said. I hear what you're saying, honey. I know you're in a lot of pain right now. I hear what you're saying, but we just can't afford to make any big changes like that at this time.