The only online game i play until i get my Brawl is Dota and that is just text chat and normally very little, but still annoys the hell out of me when people get called noobs and other insults, I watch people do stupid things on that game non stop as i play but i never insult - If they continue i try to help but even that i think may be insulting to them when i let them know to use certain abilitys. This is why i dont mind Nintendos online.
My Ideal world would be, Playing a nice FPS on Capture the flag with voice chat and the only discussion going on is comments like, "Group A advance whilst we flank them" How sweet life would be.