It is distracting to talk during playing unless your opponent is taking too long to move
Are You Good at Both Talking and Playing Chess at the Same Time?
In a real chess club, once the games start, all you can hear is ticking of the mechanical clocks in a room of 49 guys and 1 girl.
Hah, I love this description for some reason.
By the way, what's said out loud is only a small fraction of what's seen.
You might test some kingside attacking variations in 3 seconds, see that they don't work, and then talk out loud "b4 is the important square, so I need to play _____"
There's simply no time to say it all. If you tried you'd be incredibly slow.