Sorry I did not see your post until today.
When my FIL was dying I prayed the Rosary for him. He could not participate.
I guess what you say depends on the person and their condition. My FIL was barely conscious so having a conversation was not an option. He died holding my hand.
He did see something before he died because his previously closed eyes flew open in surprise, he tried to sit up, then relaxed back onto the bed, closed his eyes, exhaled, and was gone. All that happened while holding my hand, I saw nothing.