Upekkha asked:”What about idle chatter in sankappa when it is to yourself in your thoughts? Is idle talk immoral in sankappa too?”
Yes. As I have explained in the following post, both conscious thinking and speech are vaci sankhara.
“Correct Meaning of Vacī Sankhāra”
The IMPORTANT thing to remember is that we do kamma with THOUGHTS.
– It is the javana power in THOUGHTS that have kammic power. Our speech and actions have origins in our thoughts. In other words, we think first and speak or take action next. But we may not realize that.
– I discussed this at a bit deeper level in the recent post, “Dhammā, Kamma, Saṅkhāra, Mind – Critical Connections“