FWIW i am FAR less likely to interrupt the person sitting next to me and yank them out of their current flow into a different topic. I'd rather send them a chat message that they can answer out of bounds when it does not interrupt their flow.

>which otherwise in face-to-face meetings can be skipped since we can chit-chat outside of meetings.

So in terms of time there is little difference? I find myself to spend much more time chitchatting in person - which is nice but also not the job.