I recognize this form of quick wit form of smart response. I didn't read the posed situation as this.

Often in highly technical discussions, there are people who can 'do the deep dive' in real time, vs those who have to explore, formulate and validate their thoughts. I find myself to belong to either camp depending on the particular issue and how familiar I am with the case and past experience relating to potential solutions or pitfalls.

I think one factor that separates those who have those ideas in real time are the ones willing to say something that might be wrong. If you're always wanting to ensure that there's no flaw in what you want to say, it will not be said in the moment.