The post you're replying to didn't say that, but regardless, I would say 'thinking aloud' is a pretty good descriptor for the word-by-word narration kind of thinking where you sort of both say and hear it in your head. I have heard that some people who who experience 'inner monologue' experience their thoughts nearly exclusively like this.
It's illogical to use one word when another is more concise and succinct like talking and speaking in this case.
Some words are self-explanatory like thinking.