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I think psychology has a lot of models of cognition without a clear winner, so there's probably no conclusive answer at the moment.

But talking through a problem forces you to use verbal reasoning. A lot of programming can be done well with non-verbal reasoning skills.

Personally, quickly sketching some timelines on a piece of paper would be the fastest way to get the correct checks. Talking it through would force me to convert my mental visualizations into words, and that'd make me stumble.

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