I'd say I'm reasonably lucky, on the basis that homophobia towards me has always typically been more in being treated less favourably rather than any direct comments or other malicious behaviour. A colleague did recently refer to my partner as a "p**f", which I was unimpressed by. And I've no doubt that folk say things behind my back, but all in all worse things are happening in Ukraine, and homophobia in the rail industry has markedly reduced in the last decade or so.
Whilst homophobia is certainly unpleasant, and indeed can have a significant mental health impact on those on the receiving end, I think there does have to be some recognition that "we're getting there" and society as a whole is getting more accepting - I'm only a whippersnapper in the grand scheme of things, yet in my lifetime it has been de facto illegal for schools to educate about homosexuality, the age of consent has been 21 for gay relationships when it was 16 for straight ones, and police were even still only just coming to an end in raiding gay bars.
I concur with previous posters in that those who actively choose to be unpleasant to, or abuse or attack LGBT folk are ignorant minded. It's certainly something that the vast majority of LGBT folk have encountered and I just hope as society moves on the numbers of bigots lessens. The only words of advice I can give really is that in ten years' time, you'll most likely be having the time of your life whilst they're still stuck in their small-minded rut.