You could do something like this: create a plugin using hook pmdata_presave and code like:
PHP Code:
foreach ($this->info['recipients'] as $u)
{
$user = fetch_userinfo($u['userid']); // Note: need to do this because $this->info['recipients'] does not contain profile fields
if (some check of fields in $user)
{
$this->errors[] = "Can't send PM to user " . $user['username'];
}
}