It's hard even to imagine how other humans, from our time and culture think. I have no clue how people experience life with aphantasia or no inner monologue. Yet these people exist, right now, among us.
I think the 'no inner monologue' thing is overblown. I often don't have one as I go about my business because thinking in words would slow me down at ${task}. But if I'm driving or walking, then I will converse with myself at length. I'd be more likely to describe it as a dialogue though, because the way I perceive it, I'm talking to an imagined second party. It's still obviously me, but therf's a back-and-forth between different personalities.