I'm really curious what I can and can not say. Like how far it can go, so I know what to and not to say.

Well you're allowed to say fuck. So long as it's not completely pointless and it has a reason (like if you're angry because you got a Lizard Minion event and lost out on a really expensive item). Rofl...

as far as i know, you can say anything. the profanity filter is optional. so the people who have them enabled cant see the profanity anyway, and the ones who have it disabled can.

Your allowed to say Any Profanity that isnt directed at someone and is in reasonable Argument.

This means: No Racial Comments No Random, unnecessary And/or excessive Swearing

I think you can say anything

If you have your filter switched on, it automatically changes certain words - I don't know if anyone has a list of them anywhere.

There's very little restriction on what we can and can't say. Most of it is covered in the rules.

Swearing is okay, because those who don't want to see it can turn their filters on, but we aren't allowed to try and bypass the filters - for example, typing "shit" with a 1 instead of an I, or putting punctuation between the letters.

We're also not allowed to swear in places that aren't covered by the filters, such as pet names and (I think) shop names.

Where is this filter to switch on and off?

preferences > site preferences > bad-word filter (disable)

Go to Preferences and click on Site Preferences.

If your filter is on, that word at the top will say 'love'. If you turn the filter off it'll change.