We do have actual conversations. We just happen to like being entertained while we have casual meals at home. But family conversation takes first place -- we're yappy, so family conversation happens before, during, and after meals, regardless of whether or not the TV is making background noise.
We wouldn't dare have the TV on with guests in our home except during a Gator game, and then we ask for their indulgence (right, Mermy?). My hand has been slapped by someone with whom we dined at a restaurant while we were keeping up with scores during a big Gator game. We just truly didn't realize that was a no-no at the time. We don't do that anymore unless it's the two of us. As long as the two of us are dining out together and don't disturb others, I think it's none of anyone's pucking business and not rude.
I reserve the right to answer calls from our daughter (because she freaks out when she can't get me), calls from Mom's assisted-living residence (in case there's an emergency), and calls from my husband when he's on a different continent -- with no apologies. I keep my phone on silent, but it flashes when a call comes in. I step outside and answer these particular types of calls. Is that rude?