My head is full of chatter. Thoughts, words, music. It's all going on all at once and jumbled up. BeyondtheRainbow's name of "brain noise" is a good description. As is your own description of it being like " flipping stations on a radio". Yes, like that. It is multiples of that, but I couldn't tell you how many, because it's all disjointed. It never stops. I can wake up in the middle of the night, and it's going.
This is regardless of mood state for me. It gets a bit different when I am "up". There are racing thoughts going on. I'm more aware of the presence of thoughts Can't catch them though. There is a sense of actual motion somehow. If that makes sense. And it might not because it's hard to describe.
I do hear things outside my head too, but that is periodic, and different to what you describe. Even this does not worry my providers (it is innocuous and not commands). I hope that provides an extra measure of reassurance to you.
You say it shuts off. My first thought was wow, lucky you! Lol. But also, it makes perfect sense for why this concerns you so. It's ok though.