That was made better in the Extended Version. They reprogramed the chip so he could learn to be more human. I hated the original version which WAS a child teaching a unfeeling robot.
I think I have to watch T3 again. I don't remember all the chatty parts. I remember hating a few gags... Might be time to watch the whole series again.
He speaks to the TX - ''Excuse me''
He tells the firemen in their truck ''I'll Drive''
Later he talks to himself ''She'll be back''. There were certainly no other characters in earshot to hear him say it.
I don't see how this is 'more Terminator' than the T2 version.