If you're on a planet for an extended period of time, sure, it would start to enter your thinking.

But for day-trips around the galaxy, I think it might be subtitle-like.

As for Gallifreyan, disagree with you on the mathematics angle. After all, the Timelord culture of Rassilon is a more modern imposition over the Sisterhood (and although Timelords are the ruling elite, it's not the elite that forms the backbone of a language). Now what the Timelords talk about, and the turns of phrase they introduced into the language, that might be more blunt and dry mathematics.

All I know is, I'd hate to have to work at untangling all the verb tenses! ;-)