In almost four years playing, I think I saw a slur exactly once, reported it, and it was blocked? I get it’s not perfect, but FFXIV has been pretty good so far in my experience.

Second this, you’ll get a couple sweatlords every now and then especially if you’re running end game content but the first 100 or more hours of gameplay are absolutely pleasant. I only interacted with the reddit group outside of game but those guys were also nice.