Please help settle a debate about mother f*ckers

My friend and I were having a discussion that kind of turned into a debate.
What does mother f*cker mean to you?

They said it’s someone who does it with their mother.

I said it’s the utmost in effers. Like the mother lode.
If a person is the ultimate f*cker, They are a mother f*cker.

What do you think?

I know …. I have really meaningful and intelligent discussions with my friends.