Does the use of Present Perfect and Past Perfect in everyday speech make a big difference?

Yes. They mean significantly different things. A: I have lived in Canada for two years. B: I had lived in Canada for two years. In A, the speaker still lives in Canada now. In B, the speaker *might* still live in Canada.

The present perfect and the past perfect would not be interchangeable in any normal example (not saying you couldn't manage to construct an outlier). Is that even what you are trying to ask?