False. My inner monologue stays approximately the same volume the whole time, except when one of three things happen:

I have a panic attack (happens an unhealthy amount, every few times I go out for dinner)

I have a headache

An episode of, yes, it is a thing, “Exploding Head Syndrome” kicks in. Nothing is louder than waking up in the middle of the night for no apparent reason, a minute later being almost asleep, then the noise of a wave breaking over your head, combined with screaming, talking, and pretty much every sound you know plays in your head at maximum volume. 0/10, would not recommend.