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Eight seems like overkill but I guess too many is better than too few.

While cross-game chat isn't a huge deal for me, I really appreciate the ability to coordinate with friends ahead of a game session. Although, as KylieDog wrote, people do abuse the feature. The last thing I want is my teammate in Halo 3 chatting with his buddy about last night's episode of The Walking Dead while I'm being run over by a Warthog.