I have found a good general fix for this problem. I believe the frequency of the banter is based on your setup. What I mean is the game expects your party to be as follows: Rogue, Mage, 2 warriors. I barely got any banter before, but when I changed the setup to the "expected setup" (I.E. I'm a mage, I took varric cassandra and blackwall). Banter immediately started and has been very frequent since. So try using the meta setup if you havent already, because I believe the script for the banter is expecting this and doesnt initialize properly when you have something like 2 mages or 2 rogues.
so remember: 1. 2 handed warrior 2. Shield and sword warrior 3. Rogue 4. Mage
hope this helps.
Unfortunately, I've been running non-stop with the above optimal party set-up from the very beginning of the game - 33hrs - with no luck. Tried mixing it up (two mages, rogue) last time I played, and it didn't work either. I so wish it would, though!
I'm baffled as to why I can't get the horse/resting trick to work. "Hey, fellow party members, I'm on a horse! Now I am not! Let's all had a nice nap! Can we talk about it, please? Please? Anyone, anyone? Vivienne? Bueller?"
When people are resting at camp, are you waiting for your mounts to disappear, or resting while the mounts are still there? I've tried both ways, and it doesn't seem to help. I've also had my mount still be there after resting, are they supposed to disappear or stay? (I think I've had it both ways?) Is there any correlation with the mounts people are using?