If you type in a word that is starred out, then that means that the filter did its job, and you're okay.
It's only when you put in letters of that word with * or $, etc., so others know what you would have put had there not been a filter that you are bypassing it.
So, for instance, crap & hell are allowed, therefore you see them here. (always kind of amusing when people type in cr*p or he!! - anyway, I digress) However, if those two words were in the filter they would appear as **** or **** if completely spelled out. If these two words were in the filter, and normally starred out, and someone typed in c*** or he!!, etc., then that would be considered bypassing the word filtere and would warrant a warning or violation points.
The best thing to do is always spell the word out, that way if the word is filtered you're okay, and if the word is not filtered it will be spelled out.