Having built-in chat is not equivalent to needing to turn it on for everything.
I don't have an inclination to listen to or speak to any stranger I meet in real life or in game.

However, a good built-in chat will be nicer than the jumble of VC software I am made to install as time goes on. Annoyed I have to install Mumble, TS, Vent + god knows what, just to account for everyone.