I'm for cross game chat and should be enabled when your in proximity of players otherwise it should go mute. If your in a party then the game should let you chat no matter where your at. You should be able to set parties within the game and not go home then party chat option. And if you join a random fireteam you should automatically be placed within party chat within the game and not from the main option.
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I agree that they should simplify the chat system, but I don't like the idea of automatic proximity chat.
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Then let it be an option to have it disabled from people hearing you but enabled by default. Think of it as real life scenario, you can't hide people from ear hustling around you but this is a video game with social aspects people will troll around just to pinch at your nerves so I see your point. Regardless let there be cross game chat with options to tweak how we want to communicate.
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I think that rather than a proximity chat option, they should just make it easier to enter chat with random strangers. I don't know how an ideal system would work.