for me and my girl i usually ask her if it feels good and there isnt too much moaning. theres always some music in the background. we've even has sex to where we could watch tv and still fuck at the same time. but we do talk. its wierd. we can talk like we are talking on the phone, asking how our day was and stuff. but usually the talking stops when she is about to cum and then the moaning and the best stuff happen and at this point i usually go right after she does