Well, truthfully, people don't actually talk much in WoW - not in open public chat anyway - except in the Barrens, which seems to be the accepted 'chatroom' of WoW. I'm sure lots of intelligent and fun Guild/party chats are going on that aren't visible. I'm just referring to the visible public yakking.
I'll put it this way - in WoW, my ignore list was often packed, and I'd often turn off general chat entirely, especially in the Barrens..
I tried the RP servers briefly...it didn't seem all that different to me (social-wise) than the 'normal' servers.
And, Petay, one more thing - WoW is definitely not the kind of game where you can log on for an hour and get very far at all, so if you're often very short on gaming-time, GW might be more rewarding because of that.
If you play WoW for the free month and like it enough to get to lvl 20 or more, I'd definitely go for the 3-6 month payment plan, because you'll probably be playing at least that long before you get totally bored.