Oh God YES. I feel exactly the same.
DD1 specialises in this type of endless, endless talking. She also talks so much she doesn't listen to the questions I ask her. We are having an ongoing discussion about the fact that mummy finds it mildly irritating to have her questions ignored once, or even twice, but once I've asked three times I start to get cross.
Yes, yes, yes to the driving. DD1 always talks to me whilst I am trying to do any particularly tricky parking, or as you say if cars shoot out etc. I end up saying "Please just be quiet a minute, Mummy needs to concentrate." Sadly this has backfired, as she now sees her role as 'Mummy's driving coach' and I get
"You are doing really well mummy. You didn't hit that car mummy. We are nearly in the space mummy." Or when we get home "You did really good driving today mummy".
She also specialises in the cryptic question. So we are sitting at the dinner table. "Mummy, what's the name of that bit of black plastic?" "What bit of black plastic, where is it?" "Not here mummy. In the car mummy. That bit of black plastic." Turned out, after lengthy discussions about all the bloody black plastic items in a car interior, that she meant the casing for the seat belt.
Arrrrghhhh!