If I had to (say something), I'd say (clause)

Use this phrase when someone is asking you to give an opinion about something that you don't really want to answer, but someone is making you answer.

You can use this phrase with different words that mean "say". For example:

If I had to guess, I'd say that there's probably 2 more weeks' worth of work left to do.

If I had to choose one, I'd say the Civic is probably a slightly better value for the money.

When you use this phrase, you sound like you're being careful.

I'd say

This is a way to answer a question or give an opinion, when you're not really sure:

I'd say she'll probably be back at about 2:00.

"I'd" is short for "I would". So you can also say "I would say ___":

I would say that you can probably find one for under ten thousand dollars.

You can introduce the rest of the sentence with "that":

I'd say that I'm two or three weeks away from finishing.

"I'd say" can also go at the end of a sentence:

It takes about an hour and a half, I'd say.

a little (adjective)

One meaning of the phrase "a little" is "slightly" or "somewhat":

I can tell that you're a little scared.

I'm a little sleepy.

(someone) is vocal

Being "vocal" means that you talk openly about your opinions. For example, this might mean disagreeing with a decision:

I tried to get my team to start practices earlier, but the players were very vocal in letting me know that they didn't like that.

Being "vocal" in some situations is a good thing. For example, some teachers might want their students to "be vocal" in class:

You're doing a great job, but I'd like it if you were a little more vocal.

Or a manager might want her employees to be vocal in meetings.

group decisions

A "group decision" is a decision that several people make together. You can make "group decisions" with friends, coworkers, family members, or other groups of people.

All right guys, we need to make a group decision about where we're going to eat.