Hi - thanks! No, on speakerphone and Bluetooth it's fine, completely audible. It's just a regular call when the volume is very low. In fact, I have to put it on speakerphone or walk into another room if I'm in a noisy place.
It seems to be clear, yes. I haven't had a system update in a while, so I'm not sure if it's related to that. I'm also not sure if it's just naturally very low, but it seems as if it should be much louder.