So i learned this evening, if you have you chat setting to 'everyone' in the interaction menu, you literally can hear everyone.
Maybe not such a big deal to some, but if you're like me and have your chat settings to 'Crew & Friends' or like last night i was just exploring free roam with two of my friends so had it set to just 'Friends', people in the same lobby with their chat set to 'Everybody' can still hear you, which is f*cking bullsh*t.
I didn't like the fact that there was no proximity chat, and no easy way to quickly tell who is talking on the the entire map without going into the 'Player' page of the 'Online' menu section, but i genuinely thought this whole time that me and my crew and friends were the only ones that could hear each other when we were rolling together for a few hours in the same lobby. Like i said, maybe it's not a big deal to many people, maybe i should have known that?
Of the features that feel unpolished and not quite up to scratch, chat is one of the features that feels unfinished in my opinion, hope they change it in the near future.