Not only is it distracting, but it comes too late to be of any use. If I'm in a 5 minute match, the 10 second warning is basically the game telling me, "You've already lost on time, you just didn't realize it."
disable low on time warning
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this may have already been suggested but I find the low on time warning in live chess distracting and would like to see an option to remove it in the future.