Yup, subtitles for everything for me too. My hearing isn't bad (I don't think) but sometimes there's background noise where I am or the character is in the middle of a really long speech or something that is easier to read and then click past instead of listening to them. Subtitles are even more useful in games where characters have a heavy accent that makes it hard to understand them. It's especially useful if the dialog cuts out for some reason, something that's happened to me in a game recently (Dragon Age: Origins, I think?).