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Created a throwaway for this, but is this not what people do?

Not so much imagining a conversation in your head, but playing through a conversation with "the other side" of the coin (be it an idea, plan, problem, solution etc) which are both yourself if that makes sense.

Is this not what the inner monologue to yourself is? Your inner is conversing with your outer monologue. Hard to explain.

Would consider myself to be both physically and mentally stable, no conditions etc.

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I can only speak for myself... but my inner monologue is just a runaway train of thoughts that I vocalize in my head as I work through them. There is no other person in there, abstract or otherwise. Have you ever seen the Death Note anime? Similar to that.
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