If the DM filters treat people with mutual, large, public servers as people you may know and does not filter those chats, most users will probably be like you and be largely unimpacted. If it treats people with those types of mutual servers as people you may not know and does filter those DMs, Discord is shooting themselves in the foot. 99% of my Discord usage is finding people to squad with in online games, and no one like staying in voice channels in the official game servers.