The dangerous thing with speech is the ability to radicalize people. I mostly agree with your comment but it's a more complex topic than "until you don't do something bad you're fine".
So you get a bunch of radicalized people that say shit but don't do anything about it?
In order for that group of radicalized people to be dangerous, they would have to do something right? Maybe that means March around in Nazi regalia, maybe that means some sort of assault or altercation. But it's at that point that those people should be charged, not when they are online saying dumb shit.
It isn't JUST speech that radicalizes people. There are a plethora of underlying material conditions that contribute as well, but nobody here is talking about any of those. We can't just prevent people from saying bad things, we have to address things like education, poverty, inequality, housing, and journalistic integrity before we can just punish insulting sentiments.
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6414414/
https://www.start.umd.edu/publication/radicalization-violence-pathway-approach-studying-extremism
