The best examples that come to mind are when ordering food. As examples:
• You speak English and Spanish and are ordering a burrito
• You speak Thai and English and are ordering Tom Yum
I imagine it could depend on numerous things:
• You primary language or ethnicity
• What sort of restaurant
• Who you’re dining with
• Who you’re ordering from
• and probably a lot more…
Loanwords are a different story. I would argue those are part of both languages at that point. Burrito is an English word and a Spanish word. As I see it, anyway.