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You say useful, I say keeps it keeps me up all night every night.
Also, do you just think of the words or do you actually hear yourself saying them in your head? >

I actively hear words usually in my own voice but I'm capable of mimicking other people too. 
And counter point, being able to think stuff in my head prevents me from hurting a lot of people's feelings with what id like to actually say lol. >

I can do A PERFECT British accent in my head but I cannot do one with my actual voice. >

OH MY GOD THIS. I learned English kinda by accident, and I can speak it perfect in my head, doesn't even matter what accent, British, Scottish, American, doesn't matter. I can do every each and one of them in my head, but when I open my mouth, I sound like a broken record. Why I can almost perfectly write whole paragraphs, but I can't speak it. >

Evidently a large proportion of the population doesn’t actually have internal monologue/voice. I can’t remember the exact percentage, but I remember being shocked by how much it is.