I've experienced things like this too! I usually begin to imagine the people I want to be near or converse with and talk to myself but in my mind I feel as though I am speaking to them. I usually don't notice wherever I am, and I think it is in part a result of a vivid imagination?

I loved to do this when I was younger and I loved long car rides because in my mind I would just get lost and invent places and stories based upon things I missed or wanted and for hours I would just let my mind daydream. Now I suppose I am more like you where it is very dissociative and almost crazy looking (but usually normal feeling).

I think the hardest part is I don't want it to stop (escapism maybe?), and I often have dreams where I adventure and speak to people. I don't know if the talking I remember in dreams becomes audible, but I haven't heard anything from my family as of yet.

Hope this helped a little. Good luck.