My Ringneck is only loud when he wants to go to sleep. If he starts squawking during the day, all I have to do is encourage him to talk, and he'll be a motor mouth. But in general, if they're happy, they tend to be pretty relaxed and at a level of chatter that's tolerable.
They can be cuddly, but its something that take them trusting you. Once they open up they will bow their heads down for a scratch or more. And a lot of it is specifically their personality as an individual. So how they've been treated before they come to you matters. That also depends on the birds' age as well.
Overall, I think they have wonderful personalities once you get comfortable with each other.