I'm such an old dog. When the new radio setup arrived, I inadvertently did something that took me some time to set right. Haven't piddled with it again.
I'll have to get home to dig up the actual file name and location, but its settup/settings are saved to a small file within the game's folders, much like your joystick. Point being, if you fear making changes to your chat will make it a mess or nightmare to revert back - not so if you locate and save a copy of this file (so i you do make a mess, simpley overwrite it with the old/known-good one).
If you do like simple/junk-free text/chat windows though, I would encourage you to explore the tabs and make a couple new tabs with unique filters too. Eventualy, after enough trial n error (or luck), you'll be a lot happier.