Oooo sweeet. I think I've got it figured so that it's going to be really hard for anyone to get around but it won't screw up normal sentences...so lets say the bad word was "crap"

The following will get nuked:

crap
c r a p
c.r.a.p
c..r..a..p
c-r-a-p
c--r--a--p
c/r/a/p
c@r@a@p
ccrraapp
cccrrraaappp
crappola
crapping

_but_ the following will work fine:

crabs play on the beach.

Im sure there is some way to get around it but it doesn't really need to be like Fort Knox.