I've been following this thread since I googled to see if their were any spots that triggered banter I was missing since my game was so quiet (almost a week ago) but since lately there has been a lot of people wondering if people aren't just misunderstanding what is actually game design choices instead of a bug I thought I would add my experiences.
My mom (her with a brand new PC me with an old one) both bought separate copies of the game and both have a depressingly little amount of banter. My first play through clocked in at 80+ hours and I got maybe 20-25 total banters? Most of those after I started every trick this thread came up with to try and trigger them. I never even knew their were interactive banters or banters that trigger more conversation until I read that here, I have never found one. My mom has put characters in her party for the first time and gone around for hours at a time and been unable to get a single banter with them at all. My brother (who is playing on my account, on a different comp) has a more normal amount of banters, at least one an hour.
I have started a new game and gotten 5 or so non-direct plot triggered banters (like those in the prologue) and some of those are banters I never managed to trigger in my first game, using the same people! But now banters have slowed down again and I'm barely 6 hours in.
Before I kept my journal clean, in my first game, I was always getting random pop ups announcing I had finished quests I had finished 20+ hours before. This second play through where I'm keeping it clean, this isn't a problem. As a result I'm getting a lot more music (in the first play through about 85% of the game (non-cs) was ambient noise only.
Music is definitely bugged (not just people thinking it's supposed to be going 100% of the time). I had a point in my new game wandering the hinterlands when I had THREE pieces of music playing AT THE SAME TIME. (Drums, combat music and area music) - they were all distinct different music pieces playing at the same time. This lasted about 20-30 seconds?
For those asking, I have definitely gotten combat music in non-plot/dragon fights, although those are the only place it triggers regularly. I actually had better luck getting banters in the Western Approach than most areas in my first play-through, I think I got five or so there. For combat conversations, I almost always hear the enemies talk, my character about 60-70% of the time, and companions almost never (unless they are about to die, or for some reason think they are even though we aren't even in combat).
I haven't gotten far enough in my new game to test the skyhold fix, so hopefully that will be more helpful, but it doesn't seem like any of the solutions we are coming up with help for long. I hope there's a permanent fix soon! I really miss getting to know the characters (without banter, I feel like I'm missing out most of their character development.)
Thanks to everyone for their hard work testing and recording and advocating for all the players out there who either don't realize they have this bug, or like me, never spoke up about it!