Wise,
You know i don't think it really matters, i.e., the
mind chatter.
BUT---here's the thing. If you have very clear goals stated in your quiet scene, then it truly won't matter. If you don't have clear goals, then it might.
If you must chatter internally, then do so about how much you are getting out of PhRing. Or about how you are feeling as you do it. Positive things that will benefit you.
After 6 yrs of PhRing, it all becomes fairly magical. A deep breath, clear on what i want, maintaining a deep alpha and an easy movement between alpha and beta produces amazing results.
You know: Why not turn on a tape recorder as you are PhRing and talk out loud what ever comes to mind. IMAGE STREAMING----produces some interesting and very helpful results. Maybe you are a natural image streamer.
Final statement---i'm thinking that mind chatter while PhRing is possibly a very insightful, intuitive and helpful technique as long as goals are clear and one is relaxed. 
