I'm not much of a talker on the bike... or off if, for that matter, if the other person can't help carry the conversation. I ride with a super nice guy that talks nearly non-stop. It helps to take your mind off of the pain if it's a tough ride. He makes fun of me if I don't at least grunt at him every now and then. I don't mind conversation on the bike if they are still paying attention and pointing out hazards. I usually just listen in though.