Unwanted voice prompts when navigating

Why, why, why, even though I thought I disabled them, is my phone talking in my pocket when I use Navigation?

Is it the Explore app?

Is it Garmin Connect on my phone?

Is it the watch settings?  (They're off--why can't it be a nice chirp like my other devices?)

Extremely frustrating. 

Seems like the only solution is to make sure my phone is 100% muted.