Anyone else annoyed when English subtitles are NOT included?

[cinemaphile]

I'm not hard of hearing or anything, but I like when English subtitles are included. Primarily because of audio commentaries. When I'm listening to the commentary audio track, I like to have the movie subtitles on so I can follow the scenes and dialogue that go along with the discussion. I especially hate when they specifically refer to a line or something ("That was a great line", etc) and you don't know what it was.

Most titles seem to include English, but I'd say about 20% of the time I run into this problem. Am I the one who does this?

(Also, though only once in a great while, I find myself watching a movie while people are sleeping in the house, and need to keep the volume very low; in which case, I turn on the subtitles to help me follow any dialogue I can't hear clearly.)