Oh boy, what a silly phrase.
"Ya know, I'm just thinking out loud here. Maybe I should have the linguine instead of the pot pie."
You're not thinking out loud. You're talking. It requires a very simple description. Your mouth is moving and words are coming out. Doesn't need a new and fancy label.
If that kind of talking is called "thinking out loud", then that suggests the other times you're talking, you aren't thinking. It's just babble, which often happens too.
Keep it simple. You're either talking or you aren't. Hopefully it's accompanied by some thinking.
I mean, I'm just writing out loud here.
HELLOOOO NEWMAN: Laughter is your sixth sense
