If I have my phone with me, which is most of the time, I seldom have the ring mode on. I have on a few occasions forgotten to turn it off and while having a conversation with someone, it has rung. Unless I am expecting an important call, I don't answer it. Usually the person I am speaking with will ask "Well, aren't you going to answer it?", and I'll say "No, I'm talking to you right now. They can leave a message." Seems like simple courtesy to me.
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