Exactly how harsh are the chat rules?

[Seraphor]

Don't be a dick.
Don't swear at people.
Don't ERP.

That's it.
Anyone making an issue out of "being banned for talking" is likely an insufferable edgelord who thinks it's everyone else's problem that nobody likes them because they're toxic/racist/sexist/homophobic/transphobic/etc.

Ultimately you need to be reported for any action to be taken, and reporting someone takes effort, so take from that what you will. The more of a dick you are, or the more people are around to see it, the higher your chances of getting reported I guess.