I rly dunno if this is a NA thing or other data centers, but on Light EU people talk all the time...
It's one of these other '' anti-FFXIV memes '' I see tossed around about how bad the community '' really is '' because people just aren't toxic due to being scared of talking so no one talks...
It's a bunch of bs in my experience and I've played since ARR and nothing has really changed.

Today in my weekly P1-4S clears alone I rain into people getting into a giant argument about uptime vs no uptime towers with half the group joking around and trying to lighten the mood and two people having a huge aggressive argument with each other.
In the P1-3S group I was in we went through quite a lot of people and everyone was friendly and talked with each other.
In the first P1S group I was told to relax for cancelling the countdown and pointing out that no one except me had picked positions ( I just said it normally, I wasn't being mad rofl ), the same person then ragequit and ranted in chat after two wipes.
The third melee in the group too was very rude when he tried to take m2 which I had already taken before him and did the whole non-chalant '' idc bro '' routine.

Toxicity isn't really common even in PF in my experience, my point wasn't that PF is toxic because it actually isn't most of the time.
Point was just that people aren't scared of talking and even being shitty and having arguments.
The toxic tends to not be as bad but I've still seen some pretty openly toxic bs from people with ego problems in particular.

Unless you spam slurs and you're targeting people in a really toxic way you have no reason to be worried.
Maybe some people have some extremely weird case but no system is ever going to be perfect and most of the time it probably didn't happen the way they said it did and they actually were being toxic.