I own all 4 Guild Wars installments and they are fun, imaginitive, have great graphics, and are very immersive! A must own in my opinion. The game does allow you to remove your armor and walk around in underwear. The chat channel allows people to talk freely, but you can set your chat filter to maximum and block any curse words or questionable words. You can also change "districts" in a city to avoid people cursing, or block their individual communications entirely. There is a report feature for obscene language built into the game too. Basically it is very easy to keep the game clean for yourself by easily avoiding vile people. Great teambuilding and friendmaking venue too. I definitely recommend!