Wow, it's really funny to see your post, Dimitry. I just realized a couple of days ago that I do exactly the same thing. I decided that these discussions didn't serve me (because they were always based upon my imagination and only served to make me feel more "right") so I just decided to nix them. Everytime they come up, I say no, and just stop. Since that day, I've been astounded to realize just how many "conversations" I have in my head. However, if you're just trying to think you're way through an issue (i.e. not actually using an imagined conversation with a real person) then I don't see why it would be a problem.
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