It irks me tremendously. The mishna berurah says that if one hears someone saying a bracha in shemoneh esrei he should not answer amen because it’s supposed to be a quiet tefillah. The same logic should apply here. I once saw that Rav Shlomo Zalman zt’l held not to say it out loud for the same reason, but i dont remember where, probably somewhere in halichos shlomoh. This would obviously not apply to bentching which is not a silent teffilah.
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