Here is a meaningless little table for randomly generating topics of small talk, chit-chat, and casual conversation when the need arises, whether the adventurers are eavesdropping, actively participating, or overhear it in passing. How these topics may or may not lead to (or evolve into) adventure seeds is left to the reader's discretion. (I probably ought to have saved this for April of next year, but perhaps I can post a suitable variation when the time comes.)
Small Talk
Roll 1d20
The topic is...
1. Aches and pains.2. Animals.
3. Astrology.
4. Conspiracies.
5. Crime.
6. Foreign lands.
7. Home remedies.
8. Illness or injury.
9. Legendary flora or fauna.
10. Love.
11. Luxury goods.
12. Relatives.
13. Religion.
14. Scandals.
15. The supernatural.
16. Tall tales.
17. Taxes.
18. War.
19. The weather.
20. Work.