I believe what happens is that I form a mental map of the business process and a mental map of the code and then when I eventually come to write something, it just pours out.
Psychologically, it took me a long time to accept that only actually coding 2 or 3 hours a day is fine. For years I beat myself up for being 'lazy'.
EDIT: I mean, it's obviously different if you're just adding an extra column to an existing table or something (usually) trivial like that.
To expand on the analogy of the OP with regards to unfamiliar words in a novel, I personally don't look up every single word that I come across when I can get an idea of what it means from the context, but only after I encounter it a few times.
Moving fast and breaking things adds to the technical debt. The word debt implies that you will have to repay it (or at least, someone will have to repay it). So moving fast now means slowing down later. Sometimes this is desirable, sometimes not.