Well, I tried to go for allowing anyone to post, and without word verification. All it took was one lewd and disgusting comment under one of my pics for me to turn on word verification. It can't prevent someone from dropping in and making an off-color remark. But, it can prevent "comment spam", which is done automatically.
For those not familiar, just type in the word that appears scrambled as you post. I believe it is case sensitive. I usually end up getting it right the second time around as some are hard to decipher.