There's plenty of impact. Babbling to yourself could increase your audible profile making it harder for you to sneak past zombies. then let's ignore the whole real life-game thing and consider that your suggestion directly punishes PVP by making it much harder for "bandits" to stalk people or survive when sneaking past zombies at all. the only punishment for PVP that should be in the game is what other people do to you.
that's because the game can't make you hungry, thirsty, tired, cold and in pain in real life. it can make you panicked/stressed/paranoid or whatever which will influence what you do in the game, that's why there's no need for things like that.