Hmm, OK so you think speech bubbles are more organised, I think they can be, but sometimes they aren't. I was reading a comic with speech bubbles and I couldn't tell which bubble to read first, I did the logical thing and read from the top to the bottom, but then it still didn't make sense. I think speech bubbles are good when they are in time-order, meaning when you read the top one, the next one down is the thing said after the top one. If the one below the top one was supposed to be said before the top bubble, it gets confusing and unorganised.
So I suppose it depends on the comic maker....
The other thing is, when you want to have lots of talking in a comic, you have to make 10 times as many panels because there is so much text and if there was only for example 2 panels, the text would cover the panels completely. If you use text under panels, you can fit lots of text to one panel without wrecking the comic. You see what I mean?
I think it all depends on the comic - if its a comic with lots of writing, use text under panels. If there is less writing, use speech bubbles.
In both mine and MT's comics, there is too much text to use speech bubles, so we use text under panels. I think that settles it, if people thought of it that way, we wouldn't get all the flaming and arguments, don't you think? ^_^