I don't have my own written site disclaimer or blog rules, although I have given thought to this on numerous occasions and have developed a fairly clear (at least to me) idea of what I'm willing to tolerate and what I will delete.
Recent comments, though, led Greg (and others?) to offer up some unrequested suggestions on how I should deal with my blog.
I've done some more thinking on all of this, and have decided I'm not changing much of anything. I like this "site disclaimer and comment policy" from Whatever. I also found great stuff in this article about spammers and trolls and things the author has learned about comment moderation. It's pretty clear moderation isn't rocket science.
So basically, comments are allowed without preview (unless added to older posts). I reserve the right to delete comments. I'll try to be "fair" about it. Enough said.