I'm a fan of subtitles in games. You can just scan to find the next location/widget etc. than skip back to actually playing. Having to watch polygon models gurning at each other isn't my thing.

Games have to stop hiring 3rd rate actors to spout the substandard dialogue most have, and develop graphics that can convey emotions better. Until then I'll keep skipping talky cut-scenes.

Couldn't agree more about the universal settings, keep up the good work.