Some of us are perfectly fine with a little trash talking and can take it as well. So how about a check box in our profile that says "loose moderation prefered" Then if everyone at the game table has the box checked then moderation levels a message will appear informing them of such. As a result, moderation levels 0-3 will no longer get a penalty and 4-5 remain as is for the table.
https://en.doc.boardgamearena.com/Moderationpolicy
https://en.doc.boardgamearena.com/Moderationpolicy