Well, I have saw people cuss in the chat room, and there seems to be no topic at all when people are talking. Therefore, I think the forums should replace the chat room.
I think that any rank should be able to talk to any rank in the chat room since sometimes lower-ranked people look up to higher-ranked people when they have questions.
I think the chat rooms are a good idea, usually the ones who cuss constantly are "guests" and dont rank very high. The ususal members of armorgames will rank higher and be able to go to a differant rank. If you dont have a higher rank just talk on people's profiles for awhile untill you do.
The chatrooms are pretty... well, I stay away from them. Its a whole bunch of swearing and idiotic banter, from what Ive seen. Mayhap its because Im a lowly Serf, and I cant access the cooler people at higher ranks. Ive poked my head in once or twice and been either offended or twitched from the idiocy, so I bounced.