I never thought that swearing was all that big of a problem in the forum either. Yeah, there's always a few minimal uses. The bigger problem would be though that some of the immature people that should be worried about are the people smart enough to know how to get around the filter, rendering the filter generally useless in those cases.
Personally I know of two ways of getting around the filter, and could probably think up one or two more were there ever a need.
So in light of how little often it's needed, and of how useless it is against determined profaners, I'd personally vote to just toss the filter entirely.
But short of that, could someone please keep the filter limited to actual profanity? This crap and xxx thing is really ... silly. Goodness knows how many other (relatively) innocent words in the filter are just waiting to be discovered too.