yes, I have heard about some overlays triggering anti-cheat responses.
Also, I have experienced video stutter and poor fps with car HUD overlays.
I stream via game capture, otherwise, I get low fps. None of my overlays are included in my stream.
They're just things I keep an eye on....gpu/cpu usage and temps and fps.
The chat overlay is strictly for me to be able to respond to viewers while I'm running laps in driving games. I don't understand why someone would add a chat overlay into the stream when viewers already have the chatbox open. As you said...seems redundant.
I suppose I should put my "smart" phone use. At least I'll be able to take advantage of my unlimited data play - finally.
Anyway, your responses are appreciated.