I have played too little but I only talked on two times in character. The first time, I asked about why there was a mist on the forest... because the DM talked on 1st person also and I was kind of lost. The second time, today, a rogue was trying to get all the reward from the corpses and I said: "Or you split up in equal parts or we fight", and when the DM say we should talk I said: "I already talked, I gave him the option to split the money or fight for it, and I am the tank, I won't loose"