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I'm with you there. I have to either hear the full sentences narrated by my internal voice or see the words flashing in my mind in order to "think". This is great for building and maintaining deep mental models but it is also highly susceptible to "bit rot" (such as forgetting the rationale or evidence for a specific assertion or position) days/weeks/years later. I have a friend who simply can't understand how inter-linked note systems (like the kind Obsidian enables) are helpful. It's just a bewildering mess to them and they think more linearly.

Thus, writing things down is a necessity for me: it's not for a need for structure but rather that my "context window" gets filled too quickly. I can counter my own arguments but it's more fun, and often quicker, to do with someone else. Besides, there is such a diversity of thinking out there it would be foolish to not take advantage!

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> I often construct full sentences in my head

I've only ever heard that associated with schizophrenia, but I don't even know if that's true or not.

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What? It's never occurred to me that this isn't entirely normal, I've done it all my life. I thought people without an inner monologue were the unusual ones.
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I'm not wading into the schizophrenia part, but inner monologue doesn't necessarily imply constructing a fully formed sentence you then repeat to yourself.
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I think there is a difference between having an inner monologue, and imagining a conversation with another person in your head.
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I think I've got this from growing up with a narcissist. Thoughts are constructed and seemingly endlessly whittled to try and create a sentence that can avoid getting belittled.

It's hard to talk in groups, because you have to have a sentence mentally critiqued by 3/4 people in turn, so the topic has usually changed before you can say your piece.

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I assume your anecdotal experience is rare.
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