Earlier quoted context omitted.
You can use noise canceling headphones/ear buds to avoid the chatter and lower the volume. At ~300$ there not cheap, but not only do they help save your hearing they are also less distracting for those around you.
Active noise cancelling still adds to the absolute volume, doesn't it? I use some headphones intended for muffling yardwork at the lowest setting to have music drown out frequent background noises (carts moving by, nearby keyboards) but not necessarily uncommon things like people chattering.
Noise canceling works by playing back the exact environmental frequencies through the headphones, 180 degrees out of phase. So from the perspective of your ears, noise canceling does lower the absolute volume.