I don't talk much beyond "hello" "have a good day/night" because the few times I do I end up getting people ranting at me for "spoilers" explaining a few mechanics to new people. Not even all the mechanics, just things that will kill you. Alternatively I had one case where I explained a few of the faster mechanics for the final story trial you'd not have the time to type anything out for, and said I'd call out the rest. Which I did. Had my cohealer at the time rant at me about not calling anything out like I said I would, which again I did, and for having crap DPS and heals despite the fact that they spent a good 75% of the fight not even attempting to avoid anything and dying for it.
So if my only options are to not talk at all or talk so much it kills me, I'll just not talk.
