Here's the thing, you are better off NOT CHATTING AT ALL in-game (be careful here on the forums as well). For one, yes, you never know what will offend, and two SE seems to ignore context. Casually slip a curse word, BANNED. Doesn't have to be directed at anyone. It's likely the word tried to censor in your OP - by the way censoring doesn't work, neither here OR in-game - would probably get you banned. All it takes is someone's strongly worded report. You want to chat with your edgy friends? Move to Discord or something - keep it out of game - THAT INCLUDES private or party chat. You are better off not having a paper trail when a GM goes through your logs.

I may be more paranoid than most, sure, but I've never been banned in-game. Never once have I had a GM interaction. Not chatting, and if I do chat keeping things AT WORST PG (G is better) is the way to go.