I'm very much just predicting the next word when I talk. I don't know the grammar of the sentence and everything I will say when I start the sentence. I just start talking and try to hit the right notes and, if its a topic I've covered before, have some vague plan for the whole thing. Maybe other people's experiences are different, but when it comes to my natural language only and not my ability for reasoning or abstract thought - I am absolutely not doing anything significantly more complicated than chatGPT is doing.