I think the real insult is Tom & Neelix witnessed it and brushed it off while defending the alien that did it to Janeway.
I agree. Janeway was being completely honest and upfront with these aliens. Carrey's death was unprovoked, and......well, as I think about it more, it was almost as senseless as Tasha's death in TNG. Killing a man just to show Janeway that they're serious? They're one hostage short now, and therefore have one less hostage to bargain with. Where's the sense in that?