dhl144: Could not disagree with you more. From the Halacha a Day website:
“
One who talks during Chazaras HaShatz is a sinner, and this sin is too great for any individual to bear.
If one will talk in Shul, it is better for him/her to not come in the first place. (Kaf HaChaim Siman 151:8 and Chida in Sefer Pesach Einayim)
Pretty clear that others talking does affect EVERYONE in the shul.