Multiplayer and endgame questions

Is there a way to text chat when grouping up with people?
I ask because I am considering using the match maker to join public game… but I rather type than talk to stranger (I go foreign accent, that got me communication issues sometimes)

Also, just finished the campaign yesterday… which pops up a few questions

  • those challenge rifts… can you discover them early in the game? somehow the mission to discover challenge rift happen at the end, but it seems I should have discovered hem before…
  • I thought the endgame was the challenge rift, what’s the point of True Vault Hunter mode? Just to unlock / farm some specific legendaries?
  • what’s the difference between the challenge rift and the similar looking multiplayer options?
  • what the max level?