pretty much you should always go by the chat filter. If the chat filter allows you use the full word, Then it should not be taken as profanity. If your using an abbreviation of something that you know would be normally filtered out, someone could take that as a bypass.
Cursed, I don't know if Sophie is talking about Pimd or real life... I got the impression that she meant using those words in real life, but that could just be me.
The filter is pants. It gets rid of words that have bits of a 'naughty' word in them. Try and type something like 'assessment' (we were talking about jobs in cc-random i know) and it filters it!
oh whoops. Real life sucks donkey chunks. You can say whatever you want IRL and it won't matter. You may just end up looking "crude" and "uneducated" however that's just because some ppl are "obtuse"
I think you can always find better words then swearing but sometimes it helps to swear...and the word hell is not bad at all of god created it how can ppl using that word be bad..?