For me it's more a discussion or dialogue with one speaker. The same an old theater play would act it a convicted character - s/he will say one position/argument, then the other. There's no description of the bagel (so it's not as if images are replaced by a voice), but there might be (not always) a discussion what to do with it in my head, where I'm trying to formulate my want/choice. So it's the facets of the thinking procesd that might be played out. It's also not always a discussion, it could eg be a commentary or critique (both positive and negative) of what I'm doing. ("One more pushup, come on."; "I think I had too much tea already": "will she notice I've gone to the bathroom three times in the last hour?" ...) Other days or eg when I'm busy/in the flow there might be much less dialogue.
