What is the ruling on permissible speech that has no benefit, and is it considered disobedience to Allah and His Messenger, along with the fear of falling into disbelief due to an inability to stop it?

This question stems from waswas (whispering of Satan). Permissible speech does not involve disobedience to Allah and His Messenger; rather, it is from the whisperings of Satan. A Muslim should minimize permissible speech that has no benefit, and it is obligatory to guard the tongue from what Allah has forbidden, and recommended to guard it from what is not beneficial.