The rules are really not anywhere near the issue that some people make them out to be. I haven't noticed any difference at all in the usual hangout places with the amount of chat or the type/tone of chat. I also haven't really noticed any difference in dungeon runs or other group content. Some times you get groups that chat a lot but most times you don't. It always been that way as, for the most part, people are just there to do the content. They aren't there to hangout and see the sights.
As someone who does offer advice whenever I see someone noticeably struggling, I've never received any blow back. In fact, most of the time I've given advice it has actually been taken and acted upon.
It's never been about what you say. It's always been about how you say it. (And the devs themselves confirmed that the rules haven't changed beyond adding some examples).
If you're ever wondering to yourself "Huh, maybe I shouldn't say that" or "I bet if I say that I'm gonna get reported" then maybe just don't say it that way (or don't say it at all). Just be a mature, respectful adult and you shouldn't have any issues.