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Same rules for me as I apply to myself in any situation in any place.
1. Dont be a jerk
2. Treat everyone with dignity and respect always being polite. Sometimes that is hard to do when there is someone being absolutely rude and impolite to me first but I still manage to pull it off.
3. Always be honest.

You can have a real conversation with someone and then when they lose they can accuse you of trying to distract them with it as an excuse.
Seriously, players should be able to talk and play at the same time without any ill effects.
I would say that if someone is purposely doing it to throw you off your game, they are being "dicks". However, they are being "dicks" that are (or should be) wasting their time.

I'm able to do both so feel free to try it on me. It being a "dick" move, you will only see me having a real conversation or making actual compliments without that in mind.
Either way, it should be a waste of time, so not really worth addressing beyond laughing at those who try it.

If you have to ask yourself "should I not do this", general rule of thumb is if you have to ask yourself that question, it should be a no brainer you already know the answer to.