You should let members post off-topic personal stuff (health, babies, dogs, cats, jobs) about themselves. That's what members really want - a personal touch, a way to connect with each other. Members want to feel like they belong to a community, connected by sharing personal experiences. However, there's a difference between sharing personal experiences, and airing prejudice, hysteria and intolerance. So you should not allow politics, religion, war or other contentious topics here, because some have proved, time and again, that they can't discuss those in an inoffensive manner. Rather than force admins to read through yet more rants (whether they be anti-this, anti-that, anti-whatever) to constantly check for TOS violations, just prohibit that. There are already plenty of newsgroups and yahoo groups for that kind of irresponsible behavior; no purpose for it here.