I do a lot of imagining stuff in my head, too - in the car, as I'm getting ready in the morning, as I'm wandering around... I'll imagine scenes that may not even make it into the story, but that give me a better feel for the characters. Also makes for a good way to entertain oneself while waiting for appointments and such. ;-) But there are times when I just get stuck, and that's when the other methods come into play.
Heh...you know you've been thinking about your characters a bit too much when you're in church and start thinking "I really should pray for [Character] - he's been having a rough week..."
Yes, the Toaster did use llamas. He trained them as ninjas, with the help of a devious laptop and some really lousy movies.
Right now...I wish I could jump into the middle of my novel and live with the characters. I like them all so much.
When I get stuck, I have learned just to wait and the next part will come. (but then I don't have a month's time limit to write 50,000 words either)