[DustyPorViva]

Okay, let's see here. First of all, you can not base a 'rating' off of what players can say. Even the ESRB will simply state while playing online games that your experience may be different than the rating given because of players. So forget about what players can do. It's all about what YOU make the server.
Saying 'cursing is bad' or 'cursing means you can't find better words' doesn't work when you're scripting an NPC. Why? Because the NPC is supposed to reflect somebody else. If you're scripting a gangster on Era, it would be absolutely fit to have them cursing. It's not unwarranted if it fits the role.
Anyways, remember, a 'rating' should be based off the actual content, not the players. I absolutely think more mature content should be allowed, just have the player confirm their age before they gain access to the server. That's ALL, don't worry about if they're lying or not, it's not your problem if they are.