I'm notorious for talking trash sometimes and "being a troll" and people consider me disrespectful and stuff..
But to be honest, I completely agree with the things you've said. I just do my best to distinguish people saying 'bundle of stickss' to refer to something like delaying horse xbowers compared to the actual gay community, as far as deserving bans goes. Even still, if a person is being particularly crass calling everyone bundle of stickss, I will gladly mute them.
I just don't think it veers into ban territory until its a personalized assault on someone for their gender, race, or orientation. If i notice the kind of speech you've screenshotted I will often warn or mute though.
My best recommendation is, honestly, to mute or ignore chat. Most people are really obnoxious or dumb. I've been "trolled" endlessly using chat features for things I've said and done in the past too but I just ignore it because no one really knows me or gives a shit. Anyone insulting you will forget about you the instant they log off the game, so you should one up them and forget about them even while you play.
If any particular players are giving you problems on NA official or Community, you can PM me about the incident(s) and I'll address them personally. I'm a volunteer to help the servers run smoothly and make people not feel unwelcome or harassed when they try to play, so I will gladly help!