I have been annoyed by that sort of behavior too, but I realized that my irritability about it was leading me to a hostile interpretation.

My friends who talk all the time about everything are doing it not because they think they're experts, but because that's just how they roll. They think out loud, and work out their understandings and opinions by talking things through and soliciting others' interpretations and opinions.

I just let them know that I learn and form opinions differently than they do, and that I don't like being dragged into those discussions.