It's just my experience and you probably don't care or don't believe me but after 700 hours I remember exactly one situation when someone on PS4 told a Zarya player to kill himself.
I play solo, I play duo with a Mercy main (female player from UK, I'm from Russia), I play with friends. Every time we use a team chat nobody is so toxic or obnoxious that it ruins the game for someone.
Maybe that's because I'm on EU servers and everyone including me has every kind of accents, so people don't laugh at it. Or maybe it's because we are in Diamond, I dunno how bad team chat is in Gold or Bronze.
I'm in the same situation as you. I almost never have the type of toxic people that a lot of people in this thread describe. Of course it's not zero, there are always going to be assholes in life, but the amount I've come across is not enough for me to mute everyone in every game.
The plural of anecdote is not data.
I find it interesting that the sample size of games being talked about in this thread is pretty small and limited mostly to Overwatch, with Siege a relatively distant 2nd. Might as well make this the Overwatch complaint thread.