I don't pay attention to game chats, especially when I'm trying to avoid spoilers (TDKR). In terms of racist shit, what do you expect. Most people who play games are shut ins of all colors, and dumb as shit. If I want to hear nonsense I'll call up my 4 year old cousins, the last thing I'll do is read it online. And if I do read it...I...don't care.
I'm far more annoyed by hearing stupid shit in voice chat (mumble/vent/team speak), especially if it's a team or community setting. There's a guy who used to come into the GAF SC2 mumble and say all type of racist shit, and you could hear Fox News in the background. If it's a random dude I have to play with for a few games, who cares. But having a racist or dumb member of your team/community is horrible.