I can't imagine not having one. I don't mind having it most of the time. The biggest problem is that during some tasks, I can't always catch what folks say. For example, I read and write with my internal dialogue dictating the entire time. When someone speaks and interrupts me, I often have to ask them to repeat themselves.
In other words, it is really strong - To the point that when I first tried meditating, I found it extremely frustrating. The instructions I had didn't tell me what to do with the inner monologue. Somehow I was supposed to concentrate on breath without using it and I honestly couldn't figure out how to go about such a thing. I've never really understood why folks want to be without it.