I think it all depends on the game world itself. The Witcher series is a perfect example of a world so gritty that it would feel odd NOT To have a ton of cursing, much of which would be familiar. Most FR games though, I honestly prefer the type of curses FR has developed over the years, racial, religious and so on. Most players comprehend comments about dwarves and beards, without much effort, for example, and they are colorful enough to get the point across.
Sorry, but I simply can't picture Elminster turning to one of the Seven Sisters and saying, "Shit, I forgot to bring fucking toilet paper for the magic outhouse."
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Eliminster - would be far more likely to say that then most others of his political station. Read the book about his life. I can surmise it's stages
child = sheep herder
teenager = sheep herder turned thief
early adult = thief, and womanizer
after womanizer - slept with a goddess, became one of Mystras Chosen
so why a former thief, sheepard, womanizer, known drinker would not have, or say 'Shit, I forgot to bring (yeah they don't have toilet paper) a towel for the privvy. ' Is actually really simple, comes in one word, very low and easy to use. Prestidegation.
