To be fair, the writers of Tome of Battle said that they got their inspiration from Japanese anime fighting shows and Chinese Wuxia.
But most of the flavor text for Disciplines and the classes are versatile enough to fit in "standard D&D." The Crusader can easily serve as a "holy warrior knight," while Iron Heart can be used to make a convincing "everyman hero."
Yes. Most of it does work. My concern is access to blatantly magical effects through purely martial study.
In short (cause once again I started typing a post at 3 A.M.)
- Gutts is ok. Zoro is not, unless he has some magic from other source flowing in his veins.
Do you disallow the monk too ont he basis of flavor, then? That's another anime/wuxia trope, and explicitly involves magic through meditation and training.
(For the record, all the obviously supernatural maneuvers with a few exceptions
are explicitly supernatural effects, and the classes that get them - the Swordsage, which is Monk 2.0, and the Crusader, which is Paladin 2.0 - have supernatural flavor. Warblades are the badass mundanes and don't get supernatural maneuvers.)
On the topic itself, SorO and strider24seven have it right. Whatever the system, I ban being a douche to me and the other players. That covers pretty much every potential abuse, I believe. It even retroactively covers loopholes in itself!
From experience, any restriction that feels arbitrary to a player will be pushed against, and nearly everything has a way around it in 3.5. Even if you want to put out a specific ban list, ban "easy metamagic reducers", not "Divine Metamagic", for instance.