I do agree on a chat system but not voice chat game will get loud and annoying quick. Though I do have the 360 keyboard and I love it would finally have a game I can use it with!
I like the idea of open tower only and if you are in the open world, be it mission or explore. I think if you wave at another player and they wave back it should open up text chat between them as well and then from there you can decide to team up and voice chat.
And for those who don't have a keyboard and can't and don't want to buy one they could just work a function into this companion app they keep bragging about that lets you use for your text chat.
Just my opinion though, what do you think?
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There was a guy on reddit that said something about each guardian having comm units, that would work like temporary chat links and could be a part of the right stick click menu. "Invite to comm link", or something. I wish i had the link but im far too american(lazy) for that. (btw not hating america, i live in missouri).