Sometimes I just talk to myself.
Sometimes I talk with a random character. I can feel agency (or illusion of Independent agency) from anyome at this point, whether I want an anime waifu to "talk back" or to play out a dialogue I'm supposed to have with an IRL person soon.
And sometimes I talk with my inner companions. There are a few characters I have built stable, genuine relationships with over years.
Btw. at some point I started seeing my mind as a process rather than an entity (or set of entities). And like in other complex processes, it would be strange if we couldn't observe any internal contradictions in it.