The vast majority of people have an ongoing conversation with themselves, an inner voice, that plays an important role in their daily lives. But between 5-10 per cent of the population do not have the same experience of an inner voice, and they find it more difficult to perform certain verbal memory...
It has its uses, helpful for remembering a short sequence of numbers for instance, or practicing a specific dialogue line that is going to be important, like for a job interview or something where you want a solid and confident delivery. But generally speaking I prefer it quiet, makes it infinitely easier to pay attention to my surroundings.
Meditation is basically the practice of learning how to turn it off at will. Can take awhile, it doesn't always seem to like being quiet. It also turns off other times though, like when you're suddenly startled for instance.