Compare it to the early GTAs where there is very little swearing. I replayed VC recently and there was almost none. I don't object to occasional swearing, but the words lose their meaning if they are used all the time (which is something I don't think a lot of people get). The swearing in the dialogue would have more of an impact if it's used sparingly. I was raised not to swear... ever. To swear at someone, to tell them to FO, is an extreme insult. If you were to tell me to FO I don't suspect it would mean much to you. If I were to tell you to FO (which I would never do), it means I want you dead. I'm sure there's a few other people out there in a similar boat.
I'm 37 and I guess language means a little more to me. It annoys me that language has become more and more trivialized. Written language in particular is deteriorating; we'll no doubt revert to phonetics in a couple generations.
You and I are on the same boat when it comes to the fact that swearing is fine, but if you swear to much it becomes irratating and downright pointless. I remember playing True Crime: New York and every time I beeped the horn the guy would say something with an explitive in it, and after awhile it got unbearable since some people that are playing this game can be civlized and still have fun with these types of games. I'm 22 and hardly swear unless I'm pissed or trying to enhance a joke or whatever the case may be.