Right a lot to address here, will be a bit of a long explanation on my end. Word of warning I am incredibly tired so expect results to reflect that. Oh and to get one point out of the way though; you can swear in posts here, you just can't direct it at people as an insult.
Now anyway, what you're effectively arguing for isn't to stop posts that are insulting, offensive or hateful. You're arguing for tone policing.
For example, I don't think gay people should've been allowed to get married. The majority of people shouldn't have had to bend to the will of a minority of people just because they want special treatment. They could've already gotten married too so their wasn't even a double standard; no one could marry the same sex. It makes me afraid for the future that kids are being taught all this stuff like it's normal. Like I mean, since gay marriage we've had all these trans issues come up, you even hear about people identifying as attack helicopters or gender fluid or strange things like that, and then everyone just celebrates it and we're supposed to pretend it's normal.
So lets say the response to what I said there is heated. Like really think of the worst, most passive-aggressive response you can think of, but with no actual CoC rules broken and no insults used. I mean like really think about a post you'd see around here that you hate.
Now the thing is, that heated but not-breaking-any-rules post is probably the one you and half the people here have a problem with. Posts like those. I mean all that crap I said about gay people and trans people? That is staggeringly offensive. But chances are the people responding to it, the passive-aggressive heated responses, have heard posts like it a million times and have had to put up with it. But my incredibly offensive post would probably go unnoticed by most, or not be seen as being as offensive as it is, but the heated response would sure be noticed. Especially if I kicked up a fuss about them being aggressive towards me simply because of my beliefs and opinions.
So yeah to many people these posts are insulting, offensive and hateful. The thing is most other people are going to see the insulting, offensive and hateful posts being the ones that are responding to a post like mine where I belittled peoples rights, made it out to be terrible that children can find out about them, or just straight up made them out to be crazy whilst also massively belittling the struggles they go through. I can say all that stuff and almost no one will bat an eye, let alone report me for being insulting, hateful and offensive. But if someone responds to me in a passive aggresive manner, but doesn't insult me, you'll sure see them get quickly reported.