As someone who never used a voice chat program before joining an FC in this game, I'm perfectly content the way things are? I mean, it MIGHT be nice to have one big, central voice chat, but it's more likely to end up very unpleasant.

Private voice chat is far better...I neither want nor need to hear every person I walk past or party with yapping or (even worse!) whatever awful music they might be blasting over the mic to seem 'cooler'. That last bit might sound silly, but it's been a real issue in some games I've played with in-game voice chat.