Part of the reason there's so much crap in wow's chat channels is because the wow community, generally speaking, is possibly the worst of any online game. Part of the reason I was so eager for XIV's release is wanting to get away from it.
Funny, I had this same exact experience in FFXI, especially at end game. I found that the community on Alexander was one of the most spiteful, angry, elitist, argumentative, feuding communities of anything I had ever seen. The LS feuds alone make you want to gouge your eyes out when a couple rival officers are in the same city and one or the other is recruiting.
I had a much better experience in WoW at end game, because generally speaking making a mistake isn't the end of the world like it is in FFXI. The community is a lot larger so there aren't so many rivalries cropping up because there are only 1-2 top tier LS's and 2-5 mid tier ones that no matter which one you join, you are now enemies of the other because they are always competing for kills.
I guess it's really up to the player to make the most of their own experiences. I have trade channels turned off, do things with guildmates, and have a very good social experience in WoW. It's not fair to classify that game as some blanket bad community just because you had a bad experience. There's trash talk, yes. There's also helpful talk and I'd rather have the extra channels in the game with the option to turn them off when they get annoying, than not have them at all.