See, I agree with everything up to the end. There you are getting into the philosophy of cognition. How do humans answer a question? I would argue, for many, the answer for most topics would be "I am repeating what I was taught/learned/read. An argument could be made that your description of responding with "What would a realistic answer to this question look like?" is fundamentally symmetric with "This is what I was taught." Both are regurgitating information fed to them by someone who presumably (hopefully) actually had a firm understanding of the material themselves. As an example: we are all taught that 2+2=4, but most people are not taught WHY 2+2=4. Even fewer are taught that 2+2=11 in base 3 or how to convert bases at all. So do people "know" that 2+2=4 or are they just repeating the answer that they were told was correct?
I am not saying that LLMs understand or know anything, I am saying that most humans don't either for most topics.