Please don't mumble nor say alound things about flaps, gear, spoilers in short final. It is distracting.
You have summed it up nicely. Personally I always ensure the vital things are there,
silently! and I would never presume to suggest no-one else should.
However, there is nothing worse than half-hearing someone else's mantra as it may be done at a different time to your own and you find yourself thinking "yes thank-you the gear is still down, the spoilers are still armed" when you would prefer to be listening to the r/t...
In my original posting I was in fact referring to the muttering aloud brigade. As I am not qualified at mind-reading I have no idea how often my colleagues check and re-check the same items, nor do I care, just as long as I don't have to hear it.
Feel free to tell me if the gear
isn't down yet though