I use a mic, but tend to use it only in rooms with PSN friends. Too many people in this game have exceptionally poor mic etiquette.
As I wrote in another thread, I immediately mute the people who just won't stop talking incessantly or have to do everything through their mics, including having the TV volume up so high that the mic picks up every sound effect from the game, eating, drinking, burping, coughing, sneezing, doing bong hits, yelling at their kids/wife/girlfriend/dog, carrying on personal conversations with someone in their house, etc.
I guess I'm just used to playing online with an older, more mature crowd from my flight sim days. They knew how to use comms proficiently and courteously.
In this game, many need to just learn how to lower the different sounds in the game through the Options menu and they wouldn't have to crank their TV so loudly, to try and hear the chat.
I have race sounds, menus sounds, etc. lowered so I can hear the comms without having to blast my TV sound. They also need to learn how to be courteous. When someone is talking, don't talk over them, let them finish and then speak. Basically, you have to have conversations on game mics, the same way you would in person. 👍