Do you have an audible internal monologue?

I realized yesterday that it has probably been a couple of years since I last thought "out loud", but still in my head. Meaning that I could hear the words, that there was a monologue - just without actually saying it.

Usually I default to random images flowing without structure, or frequently I can hear "snippets" of conversation (real or fictional), i.e. I'm playing scenarios in my head. That's how my internal mental life looks like, and if I want to get chain of thought reasoning, that takes effort, a lot of it.

Do you have a structured internal monologue, or is your default something else entirely?