Most of my 4 hand experience is with Korean or KBC women in USA. First off, I speak Korean, so I understand the chatter, mostly it’s discussion over massage techniques, or my regular girl telling the new girl where I have physical maladies that need more attention. And as the massage was working towards the conclusion, they were discussing who is going to do what first. So the attention is being paid to you. I’m sure if you wanted more quiet, you could ask.
As to the girls doing each other, in USA it’s rare for me to see them do more than kiss each other, kiss or fondle breasts, slap her ass, or help position you to go inside the other. But I have seen it happen. If you want full on action between 2 girls, your best bet is Thailand, where that kind of behavior is normal with bar girls.