[u][b]Voice Chat[/b][/u]
In-game voice chat, proximity and fireteam based would be nice, but is unnecessary. Proximity would be excellent during public events and running around in the world. Team based proximity will work in the Crucible. Personally, in-game voice chat is merely extra. I'm usually using Party Chat over PSN or Skype to care too much about in-game chat. Proximity chat in the Tower would simply devolve into madness; a giant cesspool of insults, drivel, and poop.
This is much the same way I felt about voice chat since Halo 2. It was nice and amazing then, but as more private alternatives came up, it became more of a novelty than a necessity.
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[u][b]Loading Times[/b][/u] This is more or less a technical issue, and load times are vastly superior to those experienced in the Alpha test, but I feel they are still a bit long. Obvs its shorter when I'm all by myself, and playing with others online and those with disc copies (I have the digital version), but it feels like loading just takes forever. I like that you cover it up by showing us to travel to the new location, but travel time to the moon is shorter than to Mars.