I know that often times, developers and gamers alike don't really care what the rating on a game is, but from what I've heard (all speculation of course), is that Bungie is aiming for a "T" rating for Destiny.
If this is the case, which I hope it isn't, it will be a huge mistake. The story for what Destiny is claiming to be, cannot be done justice if Bungie doesn't allow for the grit, violence, language, etc that would come with that setting, it can't be believable.
If the world is almost completely wiped out, and the human race is having to fight several other species in a last ditch effort to survive, you better bet that there will be "F bombs" dropped, there will be people being shot (meaning decent amounts of blood), etc.
Bungie, please, don't let yourselves be held back by a rating in order to get more sales. Make this game an "M" rated game. Anything less would be simply uncompelling and unbelievable, and would really detract from the story and mood that would be present should this situation in this game ever really happen.
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Could just make a gore setting like gears of war Turn it off and there's no blood and and limbs flying everywhere and could give parents an option to keep the blood and guts away from children's precious little minds. But at the same time your kid can watch an hour of the news or CNN and they're gonna see blood it's part of life people are gonna see blood even in a T rated game. The "F-Bomb" isn't necessary though for people to follow the game. Really excessive cursing in video games just tells me that the person that wrote the story sucked and had to make his characters cuss alot just so people can hear them talk