Make each tab save its set of checked boxes.
You click general and can uncheck them all.
You click "Trade" and you can't unckeck trade, but can uncheck any others.
General: [x] [x] [ ] [ ] [ ] [x]
Guild: [x] X [x] [ ] [ ] [x]
Party: [x] [x] X [ ] [ ] [x]
Alliance: [x] [x] [ ] X [ ] [x]
Trade: [x] [x] [ ] [ ] X [x]
Whisper: [ ] [x] [x] [ ] [ ] X
Making each tab save it's own checked set would grant you can quickly chat changes.
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More ideas of mine:
http://gw.gamewikis.org/wiki/User:Mithran#Misc
Make chat tabs save chat sets
MithranArkanere