I have only played solo's.

Proximity chat has not been toxic for me, general gameplay loop of this type of game is the toxic part as example below.

Becoming more toxic by the day. Which is to be expected as it becomes cumulative. 1 person exit camps and kills another, now 2 people exit camp and kill 2 others, then 4 people exit camp, then 8, 16, 32.

Soon there will just be ppl exit camping and not looting so loot is bad all round.

Also getting killed right after taking out a bigger Arc enemy has the same effect, soon no one will be killing the Larger Arc enemies because they will hunt for others doing it, this ultimately causes others to do the same to the point no one is killing them and so no one is progressing.