For me the benefit of talking out loud would be more a matter of focus. I have an inner conversation anyway and so it would be just saying the same words as I am already saying on the inside (which might slow me down, but not an issue when the problem is difficult). The real point is that if I say the words then I am only going to say the words related to the problem. The words related to the distraction will not be said out loud. Therefore, making an effort to speak out loud means that there will be more focus on the problem because allowing my focus to wander onto distractions more obviously results in silence.

I definitely notice that it is at times when I am most struggling against a distraction that I start talking through my problems out loud.