After keeping track for a while, my conclusion as regards my inner voice is that it's an artifact of "paying too much attention" to what's going on in my mind.

After keeping track for a while, my conclusion as regards my inner voice is that it's an artifact of "paying too much attention" to what's going on in my mind. If I'm in a flow state I have no inner voice. If I'm overly bored, or nervous, or have some other reason to be actively and consciously paying attention to the decisions I'm making, I have a very clear inner voice. It's an artifact of recasting subconscious thought into conscious terms.