So one thing I really wish microsoft would add to the xbox live experience would be party chat.  I really love the private chat feature when you're playing single player games which can sometimes get boring and its fun having someone to talk to while playing.  But this adds a problem. 

I want to talk to more people then 1 at a time.  I think it would be cool if maybe up to four people could all be playing different games but all talking to each other. 

The only downside I see to this is that people could use it whil playing ranked games online and use it to talk to team mates while dead like Gears of War or so.  What do you guys think of this idea?