I never ever had someone using voice chat so far and I have almost 60h multiplayer only!?
When playing with friends in ME3 we used teamspeak anyway to communicate outside the game/lobby. Since my friends are scattered around platforms there is little urge for me to use voice chat anymore. Maybe I have disabled it in settings ... would I hear other players?
The tutorial/tool tip only suggests a level as a rule of thumb but without APEX or weapon levels or even character level! It should more like this:
Character class VIII - X
of lvl 18+
with rare or ultra-rare weapons/mods (or uncommon VI - X).
Also being in a coordinated group makes up for some shortcomings in lvl or equipment.
So how should a new player know better (other than after his first gold match)?