I remember reading an article that there were 3 types of readers.
Readers who sub-vocalize the words
Readers who "hear" the words
Readers who "see" words
Not sure if that's an accurate assessment, but I definitely don't sub-vocalize. If I sub-vocalized, I think would at least some general idea how to pronounce unusual character names from fantasy novels. I couldn't have even tried to pronounce most of the character names in Lord of the Rings, immediately after reading it but I could recognize the name patterns if I saw them.
When reading Crime and Punishment in school, I remember specifically saying, "I have no idea how to pronounce a whole bunch of stuff in here and I'm going to need to talk about it, so I'm going to specifically come up with a pronunciation." Without that conscious effort, I simply wouldn't have tried to vocalize the names whatsoever, despite that being my standard method of reading.
And to be clear, I can not sub-vocalize, but it's just... uncomfortable.
I have the exact same experience with character names -- that's a great example.
I do sub-vocalize though so I guess I'm a lost cause :)