It doesn't need to be complicated, it doesn't need to have a billion regex words, it just needs to match words that would already get you immediately banned off the server either way.
Network manager has support for this as far as I know, so it can be implemented globally, as people usually spam the same words in hub chat after being banned.
I'll say this right now, there is no actual argument against this when it comes to having a basic chat filter. It asserts the rules on how those words aren't allowed, even if you can bypass the filter. Saying we shouldn't have a filter because you can bypass it is a very flawed argument and I get irrationally angry whenever I see it.
So I'll propose here for community consensus; Enable a basic chat filter globally with a basic list of "ban on sight" words. If it works well then it can be expanded later. Thanks.