Have loved chess for many years, dating back to the early 80s when I learned how to play. I tend to get interested and play a lot, then get tired of it and stop playing for a long time. Chess.com is more my style - it's like a modern postal chess system.
I normally accept all challenges, regardless of rating, with one exception: if you have played very few games, or none at all, I'll usually decline. My reasoning is, if your ranking is 1200, but you're much better than that, you should work your way up to your true ranking. That's what I did.