Dragons Dogma, now there was an example of people nattering too much. So far as Im concerned I havent had any real bad issues from walking around the for about four hours. I tend to block out the exact words themselves and just enjoy the fact the noise makes the city feel alive.
That said the one voice that was annoying me was in
(slight spoiler from start of game)
in the infirmary, that guy rolling around in pain, I felt like screaming "would you please shut it and die quietly, I am trying to have a conversation here"