I find your case especially interesting, since you are somewhat able to generate images in some situation. So, you know the difference, which is important for semantics.
It's honestly crazy to me how vastly different people experience base reality... and yet these things only recently became a wider conversation. Apparently we are still very much able to find agreement through these differences :)
Nevertheless, I really can't imagine (hehe) what it's like for you, especially with the memory business. For example, right now I am thinking about a random photograph of a chair and there is no descriptive narrative going on, it's all visual. My inner monologue really is only there for, well, talking to myself - the way I would do out loud. Our experiences are fundamentally different, it seems. I wonder which one of us would be more prone to false memories, is the less reliable witness.
It's funny, descriptions of close-eye hallucinations, I always think "Well, that's just a lazy Tuesday for me". I never did psychedelics, either, but I am really curious how they would affect me. But also I am a bit worried, if it's wise to add more fuel to my boiling mind soup.
Ha! And it's kinda assuring you still struggle to fall asleep, because of a non-stop talking mind. Guess I am not missing out.
If you don't mind a last question: Have you ever done an MRI? Like, is your brain certified alright? I wonder, because of your medication side effects, and because some maybe related conditions like face blindness (inability to recognize faces at all) have a discernible neuronal cause.