I believe there were a couple discussions about topic before, and you are absolutely right. Gijibae does not mean ■■■■■ at all. It simply means a girl. Depending on the context, it could be used as a way to look down on that person, but it typically just means a girl and it can definitely be used in a friendly way, too.
Jjashik literally means offspring and it can even be said to your own child in a loving way.