I don't use the MS chat room, the time difference with the UK is too much, but I have used 'local' ones.
And unfortunately my experience hasn't been that good, nobody's hurt me or anything like that; but my personal view is that it's something I would use once I had gained a certain amount of trust of the other users in a forum, where things move slower and I have time to think a bit more.
I don't doubt that there are a lot of guys who think the opposite, and I hope they give their views to help you make your mind up, but hey - you're doing that anyway.
It's good to be a bit cautious.
Go confidently in the direction of your dreams! Live the life you've imagined. As you simplify your life, the laws of the universe will be simpler.
Henry David Thoreau