People snipe each other all the time on the forums. I call Dru a giant vag, and it might be cool. Or maybe not. There's a lot of gray area.
I don't mean to trivialize when insults come out. But to be an insult that's infraction-worthy, I think it's got to push the limits of your typical drunken bar room banter and move more into what might instigate a brawl.
It sucks to have to have these gray areas, but I don't think the forums would be better if I couldn't call Dru a giant vag now and then.

Imposing a Stasi-like state that is intolerant of all semi-innocuous barbs isn't the right answer either.