Say Chat (Text Bubble)

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Bad example. These are merchant shops and chat rooms.

WoW uses chat bubbles and it's great during battles because you don't have to take the eyes off the action to read. It can even be used as positional check.
Imagine passing Rot with a chat bubble. It could be actually fun instead of a raid-wiping chore.

I realize that, but we don't have a dedicated merchant shop room/channel/location. Which means that bleeds over to normal open world content. World of Warcraft also has a character limit on chat bubbles to prevent speech bubble from taking up too much screen real-estate, as well as lower graphical textures and models than FFXIV does. Resourcing between the two games are different.

I can still see your point, but they could also be made to toggle so that if you don't want to see them, you don't have to.

Yes, as many have already mentioned. I realize it, but I rather the game's rendering engine not be taxed, the developers spend time on this when they could spend time on other content for the game...like Chocobo raising! (or something silly fun), I believe it breaks the creative look-n-feel for the environment, it's not required to play the game currently, possible spamming potential.

And really, if a feature is being added that is immediately turned off, what sort of feature is that to begin with?