Changing that to hate speech may be a good idea, yeah.
Discussion about those topics is completely fine and generally I think anything can be said during that discussion, provided it wasn't intended as malicious against a certain group.
2. No Hate speech or comments intended to be malicious against a particular person or group of people.
I'll also add in
10. Don't troll, flame, or argue just for the sake of causing a negative reaction.
11. Do not majorly derail a thread, slight off topic discussions are fine as long as the thread is allowed to continue
If a thread is derailed enough, just as it happens accidentally sometimes I think just splitting the thread should be fine, no punishment for that since almost everyone accidentally derails a thread sometimes.
Probably needs some refinement to those rules and the last two may be totally unessesary.