The fact that I have to turn on closed captioning to understand anything tells me these producers have no idea what we want and shouldn’t be telling us what settings to use.
One problem is that the people mixing the audio already know what is being said: Top-down processing (or more specifically, top-down auditory perception) This refers to perception being driven by prior knowledge, expectations, and context rather than purely by sensory input. When you already know the dialog, your brain projects that knowledge onto the sound and experiences it as “clear.”
Voice comes through the center channel. Music tends to come out of multiple speakers, and so do a lot of explosions and sound effects.
Most people don't have multi-channel setups at home. So you get everything coming out of 2 speakers or a sound bar.
What that means, is that you get 4+ channels of music and sound effects mixed into 2 channels. So it ends up drowning out the single voice channel.
When I play movies through Kodi, I generally go into the audio settings and turn up the center channel. This fixes the issue every time for me.