I was having this very conversation a couple of months ago with a colleague.
She is of Mexican descent and grew up relatively poor in Stockton, CA. I'm of Scot descent and grew up in a relatively poor area of rural AR. We mentioned that I acquired most of my vocabulary in my teen years through reading, and as a result sometimes use words that I've never heard spoken and am therefore apt to mispronounce them. It was much more of an issue when I was younger, but it still happens occasionally. She said she had much the same experience, and called it "code switching". I had heard the term before and knew approximately what it meant, but until then had never considered that it applied to my own experience. It absolutely does: https://en.wikipedia.org/wiki/Code-switching
I'd say that it applies to Cajun and Creole as well, only more so.