IMHO ... there's a little bit of truth involved in both #1 & #2
"Talking" noise doesn't bother anyone except maybe the other anglers in the boat, as it does not transmit below the water's surface. Dropping things & fumbling around in the alum boat "can" disturb the fish, but not always.
Smoker's smell ... I've always heard this as it relates to Bass fishing, so I would guess Crappie could be just as sensitive to it. However, my cigar smoking Grandfather (R.I.P.), as well as my current smoker fishing partners & myself, have yet to see our smoking habit deter fish from biting our lures/baits.
As with most myths ... there's usually some bit of truth involved, or a twisted view or version of it, or an experience that sets the precedence for it. It's sort of like the old excuse sayings of "you ain't holding your mouth right" or "spit on your bait" .... neither of which have anything directly to do with your success or failure at catching a fish ... but are, in fact, meant to give you an excuse for your failure, and/or build your confidence (when you do succeed).
... cp