i just bought a cheapo wireless usb keyboard to talk. It wasn't really necessary while leveling up, but at endgame the need became more apparent that i needed to communicate effectively with others.

I also invested in a usb hub. So that i could plug in more than my keyboard and my headset into my ps4.

I have not regretted any of these purchases, and together they evened out at about 25-30 bucks (USD). I recommend the same to you.

It's not hard to talk on the keyboard while using a controller either, you just type while casting or in between GCDs.