There are segment where the dialog is in the off, for example the soundtrack is masking a murmuring and nothing is understood.
But normally the soundtrack is at least one dynamic degree below the dialog, is single channel (mono), and stable in the stereo field meaning the mono source doesn't wander.
I also don't think that the spectrum of any instrument has anything to do with masking a dialog. Of course any instrument fiddling around 1000 Hz or 2000 Hz has the tendency to mask the human voice.
If you run into that "masking" problem the soundtrack is just too loud. But simply taking the loudness back with the fader on the soundtrack doesn't help, but rather leads to the perception that the loud music is further away.
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