The mere presence of any of these things is not an indicator of overall game implementation clearly. I mean, trying to avoid the mere presence of these options would severely limit game choice.
But any one of these aspects can individually be crap and often are.
If I have a need for ingame VoIP I'll turn it back on. But I don't want to default to hearing randoms on the internet espousing bullshit using mic-always-on.
If it turns out the game is good with music, I'll turn it on. Rocket League works.
If one of my friends is raving about the graphics, I'll turn HDR or bloom on - though I haven't ever agreed with them enough to leave it that way.
So by default, yes I turn those things down or off before I even start playing.
Further detail for music. Often poorly implemented:
repetitive, sounds similar to game sound effects, changes and gets louder when there's a rush horde. All distracting and ruining immersion.
I quit playing Day of Defeat because of the end of round music that I couldn't do anything about. I either couldn't hear footsteps next to me (part of the gameplay) or I was deafened with the end of round blaring. I don't have time to put up with poor UX when there are plenty of other games to play.
As I get older and find it harder to discern different sounds it is just easier to focus on what I want - the game and gameplay. It's the same thing as drivers turning down the stereo when they want to pay attention to finding a park or driveway - it's a distraction to what I'm here for.
I like music, and like to listen to it, either as a dedicated thing to do or while doing house chores or cruising long distances in the car. But generally not while gaming.
Thankfully so far, these are still options I can set to taste. I guess when the "the way it's meant to be played" crowd takes over I'll do something else with my time.