Yep, your brain percieves stimuli and generates a virtual internal reality that runs with a tiny time delay between the objective reality and your internal subjective simulation of it. So we live in a simulation even if our universe is the objectively ‘real’ one, or we live in a simulation of a simulation.

Your personality may also be a simulation internaly created so that you have a way to ‘justify’ your bodies actions to other entities. Split brain experiments are veeeery interesting.

This is pure conjecture but I sometimes wonder if neuro-divergencies are caused by a fault in the internal simulation via brain chemistry