The trick with self-accompaniment is that either the voice or the playing has to be practiced to the point that it becomes an automatic process. Good singers don't sing as well if they have to think about where their fingers are going - fact! If you learn the talking thoroughly, you'll be able to put more into the accompaniment, but then you'll still be aiming at a thin performance. You have to either do a song unaccompanied or get someone else to play the accompaniment until you've learnt it to performance level. If the thing won't work in public without accompaniment, tape record an accompaniment and practice the vocal over that. This will let you see where your accompaniment is going wrong, if nothing else. I might add that this isn't my advice - it's advice I got about 25 years ago from Martin Carthy - but it's good advice!