My character wouldn't talk if the devs actually have [stay silent] everytime somebody tries to talk to you, but I doubt that'll happen.
You know, that would be pretty awesome, to just be silent and give them a really creepy stare when they ask you things. Of course, this way of progression would make it hard to do quest and find out things.
Your employer: "Go investigate about the murders, start with talking to Jackie the shopkeeper."
*goes to see Jackie*
Jackie: "Hey there, what can I do for you?"
You: "..."
J: "Ehm.. you wanted anything?"
Y: "..."
J: "You know, you're creeping me out. If you want anything then get to it, or leave me alone"
Y: "..."
J: "Could you stop that? I'm calling security!"
Y: "..."
J: "Ok, that's it! SECURITY!"
Y: "..."
Security: "What is the problem, Jackie?"
J: "This man is just standing there and staring at me, he won't say a thing!"
S: "Is that so? Hey, stop freaking out our citizens, wastelander! You're coming with me."
Y: "..."