@xCare Our main chat room is root access or you can ask a question on the site. This room is specifically for when you need moderator attention on something.
@xCare Yes, after a number of chat comments on your question you should get a link that says "let's continue this in chat" which will create a chat room for you and copy all the comments so far into it.
In certain cases mods can force comments into a chat room too.
Thank you for the answers @Mokubai, @DragonLo, appreciate it. Don't mind me if I drop by to ask questions if I need, I find being inquisitive helps avoid surprises of the bad kind.
But yeah, mods or the "let's take this to chat" link can create a room for your question for you. The benefit doing it that way is that you can do it even when your rep is too low to enter chat normally as you are given direct explicit access to the room. Typically you need 20 rep to chat or 100 to create a room.