For the record, I've never visited voat, so I don't know how accurate the reports are. I can say that I have visited other forums with very lax moderation, and the caricature of "screaming the N-word in everyone's face" doesn't seem accurate.
Generally the reason I avoid unmoderated platforms has little to do with "hate speech" (whatever that is) but more to do with the lack of interesting or original content.
The risk with moderated platforms is this: in whose interest is the moderation being performed? Is the moderation being performed to serve the interests of the platform's users, or is it to serve other interests?