Steve talks to himself out-loud a lot. It only bothers me when I think he is talking to me.
I talk to myself internally a lot, and I was actually going to recommend it to some people here, but never got around to it. When I have a problem, I imagine someone I might talk to about the problem, and talk to them in my head, I try to answer as they would, ask the follow up questions they would, and then try to analyse my own responses to see how I actually feel, or what solutions there could be. It is a bit like talk therapy, but all in my head. I find it to be realyl helpful at making big descion, calming my fears, and reassuring myself. I can explain it more sometime, probably in the pessimism thread.