There are other threads about this. Bolding and underlining yours does not make it more important to the devs either.
The music does not make chat impossible unless your headset is worn out. I can hear players when I use mine with out any problems ever and my hearing is less than perfect from all the loud music i listened to as a teenager.
You just want to turn it off so you can sound whore easier. The same as everyone else that ever wants it turned off.
Just because one company does it one way does not mean every company has to do it the same way ever.