Mine seems to appear when I’m not on auto-pilot. If I’m heating a can of soup, there’s no real thought. I’m probably thinking about other things while carry out simple steps. If I can’t find something, it’ll pop in and say, “Where did I leave that?” Or maybe something like, “I should call Mom cause it’s New Year’s Day.” Another is, “I’m glad I remembered my umbrella,” when in rain. But I don’t have monologue about putting on my shoes or locking my door. Those are mechanical tasks while I think about something else in an abstract fashion.