Indeed in speech people use the 12 hr clock here (Netherlands), and you know that nobody wants to meet at 4 in the morning, so people (at least I) translate to 16:00...

We have Dinner at 6, not 18:00 (people would be frowning if you'd say 18:00 out loud there). In messages I think I'm one of the few that always says "16:15" because I just hate ambiguity. If context does not clarify enough people say "in the morning/afternoon/evening/night But (easily) arguably "context" is even worse than AM/PM! Though I can't remember this going wrong ever.

I remember as a kid looking at a digital clock and subtracting 2, then dropping the leading 1 to get a "feel" for the time. Nowadays I'm 24h native and don't like the ambiguity of 12 hr references.

I set al my clocks to 24 hr (unless they have arms).

So yeah, here we are, all cool with our "military time", ahum.