There are words mixed in, but when they come up they are usually just single words or a phrases which are attributes of something I'm thinking of, or an action I should take.
Sometimes I think more in words, but that's usually when something is really unclear to me or if I am obsessing over something.
I think that years of training myself not to obsess over things probably reduced my internal monologue almost to the point that it would be good to have a bit more of it sometimes.