Same for the most part. I get the rare "super lucid" dream where it's almost 1:1 to being awake, but 99% of the time it's like how you describe.

I think this is because our brains will happily "predict the next token". We've never evolved to have to consider doing anything else. So when you're asleep and placed into a scenario with some context associated with yourself, the brain does the natural thing and performs prediction.