Contrary to what we originally heard, it looks like the Wii Speak Channel won't be launching alongside Animal Crossing: City Folk on November 16th.
IGN snapped a picture of the WiiSpeak box, complete with a disclaimer that the Channel (which allows chat outside of Animal Crossing) will actually appear in December. When in December isn't clear, though we know the Channel will be available in Europe from December 5th, so maybe then. Until then, you're just going to have to pick fruit and chat simultaneously. We can probably cope with that!