I realize that many people in this community are female. You can answer the first question as what you would do if you were a man.
Edit: If you actually use urinals, why don't you leave a comment about whether you talk at them (if you feel comfortable doing so).
If you went into the restroom with someone you knew, would you use the urinal right beside him and have a chat?
Do you normally wear a matching bra and panties?