Depends on what type of chat is going on. Banter, or "sledging" (which British, Aussies, and anyone who follows cricket) is all part of the game and can add to the fun. Swearing - well, that's debatable, but even the best pros in the world have been heard cursing and swearing when they're having a bad round..... so the odd expletive - or even a complete tirade of "Golf Tourettes" I can tolerate (and sympathize!) ; but if it's vulgar or personal abuse for no reason then it's off-putting and ruins the game.