Usually monologues are internal narration stuff, or, you know, arguments with back and forth, like with Shirou vs. Emiya or Shirou vs. Kirei.
Boiling down my complaint to "realism" is missing the point, and that it is fantasy with genderbending has nothing to do with it. It's about
verisimilitude. "Probable impossibilities are to be preferred to improbable possibilities" as Aristotle said: I (or any audience for that matter) can accept any kind of fantastic premise, as long as the events happen logically and the characters act believably.
This isn't believable. This reads as the author inserting their hand up a character's ass so their mouths move and say what they want, instead of something happening organically.
And if we are using "this is Type-Moon" as a defense to fall back on, Type-Moon works are works where first impressions are usually wrong and characters have more depth than when they first appear. So according to that logic, Kadoc should be treated with more clemency