I have a really good idea of who my readers are and always write with a sensitivity to my audience. I use the F word when necessary, but there are words I won't use, mainly because I don't like them. I don't write about body parts when I write about sex. It's not about the physiological, it's more important for teens to read about the emotional aspects. I do think there are times when self-censorship is important.
People don't necessarily want or need to be done unto as you would have them do unto you. They want to be done unto as they want to be done unto.