The only thing I heard very clearly was "Love you" in the closet. I posted this somewhere else, but my boyfriend, who is not aware of the discussion surrounding this, heard this loud and clear too, and he was really wondering what the fuss was about, because they loved each other, didn't they, that's what he said. I love my boyfriend, because it really is THAT simple.
Just to add my 2 cents (?) I never ever heard any of the things that Jack supposedly says in the first tent scene and I am honestly wondering where that discussion came from all of a sudden (not that I doubt the sanity of the people who did hear it
). I have seen the film 15 times (estimation) and I have never heard anything but grunts. I also highly doubt Jack saying something like that so soon in the physical relationship, even if it was at the height of passion.