The last bit is the main one that crossed my mind. Most I would think most people are okay with a curse here and there in general chit-chat. Unless said curses are used to harass. With the bad word filter off, the player can see both types of chat and more then likely if they see curses being used to attack or harass they will probably report and curses use in general chit-chat will be just that and not reported. Excessive use might be another thing too. Me personally if I see someone in a linkshell chatting where every other word they use is a curse word it can get borderline annoying and I wouldn't think twice about blacklisting them. That's just me though, maybe another would be annoyed far more then me and decide it's enough to file a report.