Not everybody here knows what they are talking about (Halachically or otherwise).
True, of course. But I make it a policy to treat everyone as if they are smarter than I am (because, in all probability, they are). So, if I’m davening Ma’ariv on Shabbos and someone is saying Kabbalos Shabbos loudly next to me and disturbing my davening, I just sit and cope as best as I can. If someone’s discussing sports next to me while I’m davening, I just try to tune him out as best I can.
The only exceptions are: (1) my own kids and (2) if someone tries to involve me. In the latter case, I tell them that I’ll be happy to talk with them after davening. That’s as close as I’ll come to a rebuke of anyone.
The Wolf