BTW I cut my wine consumption in half so you'll need to reckon with a way may coherent me;)
First let's start with talking in shull, a chabad rabbi / shliach kind of justified it, nay he glorified it in an arutz sheva article a few years ago. He says that we are used to shull and we come so often it's like home (halevai people would ensure the shull was as clean and fixed up and fancy etc as their home)
Any ways, it all breaks down to serious discussion of why we daven, it's really not about how often you do it. What's the point of going to shull if you are going to talk and disturb the tefilla ? Your chotey umachateh and you are certainly not getting any reward, what for, tefillah betzibur?! Ha!
I bring up pants and covering hair because there are as mentioned, different opinions that hold pants are OK.
Notice how people find reasons, excuses, logic, justification and even twisted praise for talking in shull.
Find me one posek that praises or allows talking in shull.
The truth is, I don't care what people do, but talking in shull is highly inconsiderate, Now imagine a shull where they talk but are supposedly frum so the women dress modestly, imagine if a woman went to the kiddish and was wearing a low cut shirt and short skirt etc they'd say well hey that's wrong and she should be considerate and dress modestly
I don't like praying in shull, I get bored fast, I like going to different shulls etc but ultimately people need to address why they pray, do you do it because it's considered the standard or you are used to it or do you pray because of the right reasons? If people prayed for the right reasons, I'm sure they'd have more respect for prayer and the house of prayer.
For me, halacha aside, talking in shull is rude