I agree with you on the universal settings. I actually keep subtitles on for most games. The reason is, often the dialog is obscured by the sound of explosions and firing, especially mid-mission. Usually the first step is to make sure the voice volume is maxed and make the SFX and Music lower, that way voice carries more. That doesn't always work however. So I end up going with subtitles so I can read what they are saying mid-mission. Rarely is this every anything cruicial, but I'm a sucker for the extra flavor bits you get.