Hi willowtigger,
I think the difference is that the forum is proactively moderated (mods act to make sure that nothing rude or seriously controversial gets through) whereas the chat is moderated after the fact.
If something is said in chat that causes problems, then the moderators can respond and remove.
You're quite right in that it wouldn't work to have a moderation queue as such for the chat.
You've nothing to worry about with your posts, though.
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'Somewhere up above the great divide
Where the sky is wide, and the clouds are few
A man can see his way clear to the light
'You have all the grace you need for today, and today is all that matters.' - Steve Austin