I think the crucial factor in the Stereotypical Loud Retired Accountant's bag of OMG! was the detail that it was not just a voiced pondering, but pondering more along the lines of "I'd like to, but I shan't. But why not? Because I shouldn't. That really isn't a very good reason, is it? I suppose not." There was evidently evidence of differing opinion, or at the least, internal debate.

I think that the problem is that the fellow is Deadly Dull, and has never disagreed with himself in his life. He is always in Perfect Agreement with himself, and should really take up singing "Kiss Me, Son of God" in his spare time.