I think Karen has been acting perfectly well, and that anyone who is paying enough attention to her to notice that she didn't do every single little step is obviously not paying enough attention to the toast they claim to admire.
But, my question is, now that the minute detail of how she does not fully participate has been noticed, what's going to happen? If we assume the complainer and the organizer are two different people, that's at least two people who have noticed, and thought it important enough to mention. My worry would be that one or both of them will talk to other members about this and more people will start to notice what they never noticed before, and it might become a thing, you know? I just hope Karen isn't made to feel so uncomfortable that she has to cut back on her activities.
sweetonsno just posted... I was imagining these were semi-professional gatherings or something where you get invited because you are a member of club X, having nothing to do with one's belief in the monarchy. If we are talking about a purely social gathering at someone's home, though, it might indeed be better for Karen to decline if she knows the host will be upset by her stance. Just don't let herself get put into that position.