Well I found TT chat very restrictive in many ways, and for US residents you now can never be sure what you say might not get you a 72 hour ban.
I now prefer Msn chat to talk with best TT friends.
Biggest problem I found with TT SF's chat is, that even if the game filters it you do not know for sure it has, it doesnt just filter the word in question, but does not send the sentence at all. Even though it shows your toon saying it on your screen, your friend may not see on their screen
Been plenty of times I've made witty remark, and realised that friend may not of got it, but cud never be absolutely sure if they didn't find it funny, or just didn't get it at all.
The not always knowing was very frustrating indeed.
At least on here, they block only the word in question orif they remove whole section or whole thing, tell you what you did wrong, so wether you agree with it, at least you know about it.
Thats my experience and comment anyways.
'Keep it Kool
'