I use a bit of both to accomplish different effects, and Fred, I'm getting ready to check out that link.
That is a great example for a chat area, I'm going to try and reconfigure some of it so it will be used as speech balloons for the characters, will probably have to some how limit the amount of text allowed in the balloon. Yeah I read that one of the keyboard strings can hold up to 1024 characters.
Here let me explain a little better of what I was wanting this for:
Let's just say I'm playin' a 1-player game (platform) and use a controller(so the keyboard is not used for game play), I want to be able to type a message and have a balloon type message display it, kinda comic book style messaging I guess. So it moves your ownline up in your own personal chat box, and doesn't move up if another player was to create their own message.