While I like deep well written conversations, I also like dungeons full of horrible monsters who want to eat your face and other situations were talking wont do you much good.

I voted "Almost everything" and by that I mean approx. Torment-level. Being able to talk yourself from unnecessary fights but not from several epic battles (which you will then remember for days :3 ).

I voted for the first one, but with some restrictions- nothing wrong if we are weak in a regular fight as a result, we will have to simply use various of tricks to proceed further, not only rely on speach itself. Mind control as a spell is a good example, hiding in shadows so we can move unnoticed, turning invisible, polymorphing as another person, causing a havoc so we get somewhere during the chaos etc.