My son and I play a lot - he is 12 and typically can only hear/chat those on his friends list so they have no clue of his age but they probably think I'm some kind of parrot when I repeat important info although he knows the drills for raids/nightfalls/etc... so doesn't really need the chat anyway. When he is mic'd up, he knows not to jabber. I've played with plenty of annoying adults, at least the kids have a bit of an excuse (being kids...)