Also in south florida, phone calls when it’s pouring are useless either way in my hardtop.I can't speak about noise levels in a hard top, but I was surprised when I got mine (premium sof top, for reference) because I thought it would be louder. My previous vehicle was a MINI Countryman with a roof rack I kept on permanently, and the Jeep is definitely no louder than that was.
That said, I live in South Florida, and when it rains hard—that phone call is over until the rain stops.
Comparing my dads JT with vinyl soft top tho, it’s not too loud to be honest. You just hear the outside world a little more.