KCref11 wrote I know that during a FT it is considered to be disconcerting the shooter but to me that is different than during live action.
Correct. Free throw shooters, by rule, get to shoot "unhindered". Field goal shooters are allowed to be disconcerted/distracted, which probably includes oral distractions.
Depends on what was said. "Miss" isn't technical foul worthy.
I hate it when, especially in a girls game, a defender yells, "Ball, ball, ball", or, "Dead, dead, dead", but there's little I can do about it.