I've experienced both. From 0 to my teens or early adulthood (hard to tell exactly), I had no voice in my head really, only intuitions, images, not sure how it happened exactly, but I didn't need to consciously phrase things.

Fast forward a few years and my head is literally always a chat with myself, sometimes with others, sometimes about the past or the future. And I can tell that I very much liked it the other way more.

Edit : I also wonder if this can be trained one way or the other. I know that when I meditate for a while the chatter slowly declines.