Well I got fed up with this, so I hacked geeklog a bit. Basically if you change around COM_checkwords to return a flag if it finds what the guy is posting (I changed it to any word on my censored list)
Text Formatted Code
if ( $EditedMessage == $Message)
return ($EditedMessage);
else
return($Replacement);
Then change Comment.php to check for this(change in the save comment function):
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if (!empty ($title) && !empty ($comment) && ($comment != '*censored*')) {
This will prevent anything from posting a comment with censored words (and cramp someone's style if they try to submit a story with censored words too.) It's unfortunate but I found this may be the best way to deal with this.
-Rob