Yep, same here. I find that it is the older people that talk and make a hassle throughout (not to mention them snoring loudly ;( )!
The one time I was disrupted during a film I went to see with unlimited was by an elderly gentleman watching The Post. He was sat in front of me, and spent the entire film explaning to his daugther (I assume) the process of printing newspapers. Not quietly either. It was a packed screening, and everyone else was a bit raging at him, but I figured he was enjoying himself so didn't let it distract me from the film.
I use mine as much for the 25% off at Bella Italia, must have made the annual cost back off that alone without the trips to the cinema (which I do 2-3 times a month).
That's fine, it's part of the experience, and besides once you are engrossed in the film whatever is happening on the screen is all that matters.
Just be aware, I have just cancelled mine because of the awful film times for 2D - the only screen you don’t have to pay extra for. The new Lego movie, their latest timing on the week of release was 1620... and during the week :/