i really would have to vote no to chat bubbles. heres why:
1) if one area was full of many characters, ones words may not be seen, and i dont want to have to block others just to see my friends words
2) to see ones words, your camera would have to be facing in their direction. i dont want to be turning my camera every which way to see what one is saying
3) most rps consist of long sentences. when a public rp is held it would just be a window-taker
4) general chat and advertizing would be a hassle