Every person involved in a conversation has to be able to hear each other speak. The only one listening to your videos is you.

If you had earphones, you wouldn't need to listen to their discussion anyway, as the earphones would take care of both problems simultaneously, making you the only one that hears your videos, and making sure you can't hear other people's conversations.

Being considerate won't get you noticed, but being inconsiderate certainly will, in all the wrong ways.

If they’re being loud or obnoxious then yes that is rude. But the vast majority of people are not disturbed by normal background chatter. In fact the opposite is true, many people are so comforted by the human voice that they listen to podcasts to fall asleep.

Whereas listening to a video out loud is always obnoxious and disruptive. Especially when there are numerous inexpensive ways for you to avoid doing it (headphones, eat somewhere else, mute and rely on captions, do something on your phone besides watch a video)