I'm kind of in this boat with you. My "normal" thinking is very fluid, like a river, and it takes effort to "fish" a clearly-defined thought or line of thinking out of the milieu. I've got a lot of practice with it, but it still takes noticeable time to articulate myself. And sometimes I find it's not a fish, but an eel. A really long one, with all kinds of fins and greebles to note as it emerges from the water; that's when I start to ramble.
Thinking in words only comes when I have to talk or write, the rest of the time it's images, concepts, sensations, maybe flashes of a word or sentence fragments here and there. If I'm alone and thinking about one topic, I talk to myself to help stay on track.
But I also wouldn't generalise with "we". You might know multiple people who share this, but I don't think it's everyone.