Nah, I'm here to back you up on this one. The community in this game, not just on the forums, is about as toxic as you'd expect for any big, popular online video game in 2025. Everyone tries to pretend it isn't, but it absolutely is, and I think people lying about that honestly makes it worse than if we all just admitted it was true.
I think you're generally better off than you might be in similar games when just running normal duty finder stuff and content out and about in the world, but party finder in particular can often be a cesspool of toxicity and I've learned slurs I never even knew existed by just standing in Limsa for a little while. And I don't know if it's because the GMs' reports get continuously swamped with piddly, baby shit like, "This cat girl is standing too close to me, plz ban," but they don't seem to do anything with regards to the especially heinous shit people say or do, either.