There is no "proper answer." When you're on the internet, running into terrible people is an inevitability. Even on well moderated servers, it's kind of impossible to stop a bully before they start bullying. Your only real option is to report it to a moderator and hope for the best. Basically the answer boils down to "are you willing to take the chance of having your day ruined by some 4Chan-dwelling troglodyte in exchange for the possibility of having your day made exponentially better by the simple joy of playing Minecraft with some good friends?"
Or, ya know, private servers and realms, but then you'll have a far smaller Minecraft social pool.