I'm still playing, but of course, in-game voice has been off for awhile. When I'm chatting over the mic I'm usually in guild runs. I float my characters through about five guilds right now, so it's no big deal for me to swap servers to talk to another group for a bit.
And I am a typist. I'll relay what people are saying in 4-and-1 groups. Got gripped at halfheartedly by one of my guild leads because I could actually type it faster than he could say it.
Plus, when you DO get it going just right, more often than not I've felt like I was playing Call of Duty, cause most randoms seem to just cuss and insult other players for not taking up their slack in PvE.
That's why I like to stick with guild. Chat can be personal or public fairly easily. You moderate what you say before you type it more often than not. But voice, that tends to be more fluid and less filtered. I prefer to keep the voice coms to teams I know.
Even on the 360 and the One, I'll stick with party chat over game chat. If I ain't got a party, I don't even hook up the mic.