In my case, when I was young and being bullied and dealing with other issues, the chatter I would hear was more belittling than threatening.
However, I don't think or know if all that I experienced in my childhood and teens would have a correlation in my case.
That being said, in my current situation, when I'm trying to sleep or even nap and the room is quiet, I'll be startled awake, thinking someone is sitting beside me and chatting me up, only to be greeted by an empty room and only me.
As to what is said, it is a mix, though now as an "adult," I will hear the occasional statement that is quite unnerving, and sometimes it is beyond belittling.
A part of me still prefers to think that the chatter I hear is the result of my nightmares rather than that I've been living on this rock since I was a teen with a possible undiagnosed Cluster A disorder.
But knowing my life and luck, I am probably dealing with the latter and not the former, the life of someone whose family did not and does not believe in MH testing.
It also makes me think about how many other people are trying to have a go at life while suffering from undiagnosed MH issues.