Absolutly, I hate it as well.
At work it is horrble with machines running, radios going, and backround noise.
I always find myself waiting for a clear to talk time. For example, I wait till the person I want to talk to has no distractions and the room is some what quiet. Basicly I'm afraid of it and put it off and practice what I'm going to say in my head. If I say something spur of the moment it never transfers from my mouth exactly like I want, sometimes the words get mixed or slurred.
Ususally, I find myself nervously yelling things out if its spur of the moment. For example, My boss said get the phone, as it was ringing. I'm like AHHH OKAY GOT IT!!!! really loud.
This reason alone is why I don't talk much. No one understands me, if I have to repeat it 3 times I get fed up talking if I can't convey my message.
This is also why I like posting online so much, I can insure everything comes out right from my brain.