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Well, I would say let each user make their own filter. Start off with simple regex s/\sf[u*][c*]k\s/[censored]/i if you want to just get that first bad word on each line. Build from there until satisfied.
Another thought that this would allow is you could censor whatever you wanted. Maybe I spaz out whenever I see the terms "mission statement", "paradigm", or "win-win" mentioned.
Now the question is, should we make the filters public knowledge so that the more knowledgeable monks could suggest improvements? This would have the benefit of the regexes being clean enough to not swamp the server with useless spinning. Of course that might increase the amount of harsh language to get by most regexes. I think tone is a lot more important than the use of "restricted" language.