I also don't have this internal monologue. But I can talk in my head just fine if I want. But doing so is the same effort as talking out loud.

I suspect that it does make articulating my thoughts verbally to other people more difficult since I must go brain thinking to text before speech.

That's probably why I prefer textual communication so much more. I can take the time to read, think, and textualize the answer.

I also find it incredibly useful to pretend I am teaching in my head; thus producing the text; before going into a meeting on a given topic. Of course anything I haven't thought to reharse, I am now naked.

As for your specific example, instead of a concrete set of words about waking up or a specific insult. I simply think a similar concept.