If you don't have anything good to say about the FOTchat, don't say anything at all.
Unless you pledge at least 75 bucks. Then feel free to say anything you want.
I'm paid up, pledged, and been around for awhile---I have no use for the chat whatsoever.
I'm sure there's a level to the show that I'm not 'getting', but it seems extremely distracting, not to mention a game of oneupsmanship taken in realtime.
NOW, some very, very funny stuff is said there, and I do lurk at it once in awhile, but I find that I can't focus on both things at once.
That said, I think it's an incredible layer for those who are into it. I still go back to Tom's NBA reference: You can like it, love it even, incorporate it into your life in some weird way, but you don't have to participate in it. That's where I'm at with the chat, and pretty much with calling in as well.