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If the filter's gonna be this heavy-handed, then it absolutely needs a toggle option. In its current state, it makes basic communication more trouble than it needs to be or should be.
You can't even say "rude". "Rude" is censored. Explain that to me.
If your filter is censoring sentences like "Yeah, map change is per map", because the f**kin filter thinks you're trying to say "sperm", then yes, there is absolutely a problem there that needs to be resolved. I couldn't care less about not being able to swear on in-game chat, but when you end up censoring basic stuff like this, you're almost doing more harm than good.
Please 343, make this filter toggle-able, or at the very least, make your non-toggle-able filter actually usable.
Definitely something the team is working on - my understanding is that this is utilizing a shared platform level service so there's some intricacies and potential hurdles to work through regarding implementation. I do believe this is working more aggressively than intended - but regardless, FWIW I personally would prefer 'on by default' and the option to disable. We'll share more info when we have it.