It sounds like you're going through exactly what's described as "The Conversation That Happens Before Every Decision." It’s a very natural and smart way to approach choices, especially in betting! I recently found an article that outlines this internal process beautifully, and you can read it here:
https://www.tellyexpress.com/the-conversation-that-happens-before-every-decision/ . Every decision we face, particularly one involving some risk, begins with an inner question. Our minds then engage in a comprehensive internal conversation where we explore various answers, weigh possibilities, and try to predict outcomes. This process helps us make a more calculated decision rather than acting on impulse.