Rude or not depends on how it's conveyed I think.
My family started saying they planned to go cheap this year, and I told them I would just rather not do it at all. I have told them before I did not like it for many reasons, why stress everyone to find something nice, battle the crowds, spend money you don't have, just to show them you care about them. A better option is just spend the time together like it was meant to be. You should be showing them you love them all year long, not buy giving them a gift they may not want or like once a year.
I have been on the giving and receiving end of nice gifts, with money and without, with family and without, the only thing that mattered was being with those you care about, be it friends or family. Call it a return to true Christmas if you like, but that is what it should be about, not the commercialization that is has become. I know some (very sick and twisted) people really enjoy the shopping, crowds, and debt involved with this time of year, but personally I hate it. Don't worry Mickie, others do feel the same way, but some are too timid to say anything. Those that don't will get over it.
And no, I am not saying bah humbug (yes I have been accused of it). I like Christmas, I love being with family and friends, I love the food. I just hate the commercialization and bad manners people exhibit about the whole thing.