Chatting is what makes this game more fun for myself. Totally understand where you are coming from re etiquette, 'Bubba'.
I'm wondering if you've had a bad experience re chat and that's what prompted the original post?
I chat a lot during games and it's common for myself, during MP in particular, to be penalised a stroke for doing so. I do make a point of trying to type my message whilst the other player takes their shot and sending it straight away when it's my turn.
When playing alt etc I suppose it can become more confusing, esp after a few beers and in the company of good friends.
What I will say is this though; if someone wants to complain about me distracting them by chatting then I can assure them it'll be the last time we play.
It's a fun game with the opportunity to 'meet' folks from around the globe.
Happy hittin', folks.