Sorta, it's not disembodied in the way you may be thinking. But like someone else observing and commenting on my actions or environment. When I wrote this all the words were strung together in my head and I would say and resay (which is a dumb but more apt way of say think and rethink in this context) the sentences I was writing before I wrote them in order to determine that what I'm writing makes sense. I'm assuming everyone does this even those without inner monologue but I might be wrong. Inner monologue for me is like that except for all my voluntary actions, not just speaking or writing. It's questions like, "should I do [blank]" and statements like "maybe [blank] wasn't the best idea"

However considering this is entirely internal and I never really speak to anyone about I may be misinterpreting what everyone else is referring to as an inner monologue and attributing something completely normal to that concept without fully understanding it but if you do not experience or understand what I said previously then I'm probably right.