Hmmm... After doing some research on the processing power used by Regex on large amounts of chat data... I have decided not to use the serverside words filter.
Don't need to! I am simply letting all swearwords through the system. A filter will be active by default for any incoming chat/names for your own client.
However, users will be able to disable the nanny filtering for their client if they want to... Provided their age is 18+. I'm really skeptical younger users will attempt to hack their client to disable filtering, lol...