[samatman]

Not only that, but in speech, the 've is often dropped entirely, like "Hey if you got a few more minutes can I ask another question?"

I wouldn't write this, but I would absolutely say it, and it doesn't carry the rough affect of something like ain't.

[mirimir]

I'd say "if y'all got".

[samatman]

To one person?

[mirimir]

Yes. For many, it's "all y'all" ;)