I spoke on mine not all the time but when I was doing something like freda, bumpff checks etc. As the examiner had already told me that I should consider him a passenger I decided to explain things to him as if he had not flown before. It was OK he said after that I was not the best pilot in the world but I was never dangerous and he never felt I wasn't in control. So I echo what others have already said, do what you have been taught and if you're not 100% set up and stable for landing GO AROUND there's no shame in it.