I have aphantasia, and I think my experience with music is similar.

I can think about a song, think about the melody, lyrics, etc… but I don’t hear it. If I hear a couple notes that remind me of a song, I can go through the rest of the intro, get to where the lyrics start, and get to the chorus and remember the name of the song (if it doesn’t come to me instantly), but it’s nothing like playback. It’s more like my inner monologue doing a bad a cappella cover version.

I sometimes wonder if everyone is talking about the same thing, but using different language to describe it. Some being more vivid and metaphorical in their speech than others.