Ironicly if Subbers had actually subbed Naruto correctly, and not ignored Naruto's speech tick, most people would have understood that the "Believe it." that the Dub put was pretty accurate.
I agree with you, mainly because most of the words that translate best into those... aren't necessarily the same as cursing in the US.. but yeah, the whole making Vegita drop F-bombs and just a lot in old fansubs really turned me off fansubs for a LONG time.
It really depends. I can usually take either in MOST times, although times the dubs -can- feel off.
If you want a good Dub I still suggest Ultraman Z and Blazar on youtube.
I think the biggest problem with the sub vs dub thing is false information we had as kids when we got such subs that...