[0]: https://www.militarytimes.com/flashpoints/2020/01/23/deploye...
[1]: https://www.theguardian.com/politics/2019/dec/17/tories-swit...
Not a joke, for real.
They are experts at getting you to talk to them even if you know this. They are experts at getting you to say things that incriminate you or your friends -- that you or your friends have done nothing wrong (in your opinion/as far as you know) will not protect you.
The only answers you should be rehearsing or thinking of in advance are "I would like a lawyer" and "I would like to remain silent." They are rehearsing how to get you to say incriminating things, a lot. Rehearsing or thinking up any other answers only plays into their strengths. Even knowing this, I've been tricked into talking to them, to my detriment. They are really good at it.
We made a relationship with one I found through family via estate planning (not his specialty) and land deals (not his specialty).
Now I have a name to say out loud when I interact with police. This has happened twice. The OP is right, they'll do everything they can to get you to talk, but understand that if a police officer is talking to you, they're digging for information to incriminate you. In my case, I was a witness to something, and they cuffed me and made me sit on the curb. No possible way I could've needed to be cuffed and questioned. And that was the approach my lawyer took when he came. Best $100 I ever spent.
Are you sure you're not exaggerating? I've totally seen incidents where cops were only talking to see if they've even found the right person. They lose interest pretty damn quickly when they realize they're talking to the wrong person (even to the point of rejecting extra evidence you might offer yourself). Whereas I'm pretty damn sure in these cases you cause yourself a lot of (short-term maybe, but still) grief if you suddenly go on the defensive and plead the 5th. It unnecessarily makes you look guilty, whereas a couple minutes of talking can make it crystal clear to them you're totally clueless.
I do not believe it is a good idea to speak to police unless they have a clear suspect, motive, evidence, and other indicators they are not fishing for you to be the suspect.
I firmly, firmly, firmly believe short-term hassle and a lawyer's bill are much better than the long-term ramifications of an arrest, even if you are not convicted ultimately.
Of course, they can arrest you even if you don't talk to them. It's ultimately up them whether to arrest you, not to you. You don't necessarily get out of getting arrested by not talking to them. (If they say you can get out of getting arrested by talking to them, they can be lying!). But you make it much worse by talking to them.
I spoke to a family friend who quit the police department I was dealing with over ethical concerns. He said that it was pretty standard practice, especially when dealing with a case they had zero suspects on. He said, "they'll bring you in, they'll tell you you failed, and they'll tell you that if you confess, they'll go easy on you because you're so young. It's not the results that matter on a polygraph, it's the answers you give. Don't lie, and don't incriminate yourself."
He was 100% correct. They brought me back to the station, into an interrogation room, and after about an hour of waiting, told me exactly what he said they would.
I lost all respect for law enforcement through that process.