Monsters with Benefits
https://goblinpunch.blogspot.com/2016/03/1d135-osr-style-challenges.html
There's a tiny octopus inside your stomach and it's biting you.
The new Baldur's Gate game puts a tiny monster in your head which is turning your character into a big monster. It also grants power, hence a dilemma.
A talking frog has taken a vow of silence.
I like frog-men, so I’d use that instead of a fairy-tale talking animal. The vow of silence suggests monastic or other religious motivations.
Why do they need to speak specifically? Perhaps because the information cannot be written down. Perhaps they know a unique spell with a verbal component the PCs want to learn. Maybe they just want it cast.