David, yes, if "Friends" plugin is disabled everybody can chat with each other.
>>How does invites to groups work without the friends plugin?
When you will click "Invite" you will get the list of 100 recently active users.
You can see this within the source code of the "Groups" plugin:
if ( OW::getEventManager()->call('plugin.friends') )
{
$users = OW::getEventManager()->call('plugin.friends.get_friend_list', array(
'userId' => $userId,
'count' => 100
));
}
if ( $users === null )
{
$users = array();
$userDtos = BOL_UserService::getInstance()->findRecentlyActiveList(0, 100);
foreach ( $userDtos as $u )
{
if ( $u->id != $userId )
{
$users[] = $u->id;