somebody just told me they prayed for me at church today. I really want to kill her.
That really is just so rude, dude. Seriously. I remember a few people being offended/wanted to laugh at me when I mention that I pray for them. If I pray for you, I really care about you; it's not meant to seem like, "Well, you need a lot of help that the rest of us don't need, pal."
As was said, context is important. And so is your relationship with the person before you say it. There are some people I have known almost my entire life that seem utterly disaffected when a friend needs consolation, instead telling them that they will be prayed for as a means to make the problem go away. And, after being told that the problem got worse, shrug it off that it was God's will. I am sure these people mean well and are often genuine and do care, but when a friend is in need, is it more morally correct to listen, console, and offer tangible aid, or to stand back and pray and say that whatever happens was simply a part of God's plan? You're (and I'm not specifically addressing you, Phil, so don't take it personally at all) probably thinking "both," which seems quite correct to me, but way too often people are obliged to avoid inconveniencing themselves to help a friend.