So far I've had pretty decent experiences on Server #1, then again, that's the only one I've played on.
The most annoying people are those that "initiate" RP, tell you to "stick em up" and don't give you enough time to respond (i.e. killing you while you are stopping your car to get out)
Btw is there any way to communicate with people better while inside your car? Direct seems pretty hard to hear over the engines.