Oxbowgirl,
It is sort of like talking back and forth in my head. Almost like remembering a conversation I heard of several people talking together. I sometimes talk out loud to an alter (NOT when I can be overheard, mind you - I have enough problems thank you very much!)
The thing here is that people do it differently. Part of it is a creative self-defense and just as people are different so I'd imagine that alters are different.
I do lose time sometimes and my memory of events is not always consecutive, especially if I am feeling stressed.
I don't know about everyone else, but I do know that sometimes my life feels unreal to me. I sometimes feel like this is all a dream and I must have made it all up. Things do not stay the same for me.
It took me a pretty long time, but I finally accepted that I had DID and I've been in therapy/counseling to help myself deal with it.
I hope some of this does help you.
Leslie and the Pixies