Mind chatter is just part of the 60.000 or so thoughts a day that the average person has about this that or the other.
If you want to avoid problems with things like hallucinations, or scarey dreams don't go looking for them in the first place. "The only thing you have to fear is fear itself." 
They are generally personal experiences associated with dreaming and the interesting thing is that anything that was ever mentioned on the forum; well... the individuals who experienced them survived to tell the tale and often learnt something interesting from them.
Since they are something created by the individual in one form or another it would be the individual who can avoid them. Dreams are influenced a lot by your personal experiences and that includes what you watch for movies, the type of books you generally read and the influence of the people you hang around with along with your personal beliefs.
Alex