Add a hard killswitch for chat in the options
This can only bring more good than harm. Most toxicity happens in the chat and while people can disable it with a click, most will turn it back on. Some will guess whether to see it depending on what happened in the trial. Consoles have no chat and they do not suffer for it. A ton of verbal abuse would be avoided in the game if there was an option to disable chat alltogether in the settings menu.
Most player will not bother going back there to reenable it in comparison of pop on - pop off button.
While it is players responsibility to manage chat appearance , this little trick will make a lot of players remain in "console mode" and will greatly reduce repeated exposure to toxicity in the game.
Bhvr , this will actually save you money. You will lose less paying players to the primary toxic output in the game.
There are no downsides to this that are even worth mentioning.