Accessing these voices is invaluable for writing fiction, perhaps the difference with a tulpa is the level of reality and influence ascribed to a single 'not-me' voice?
I also see the ability to have an internal Socratic dialogue as requiring a kind of ego-splitting, in a way that could be conceptualized as a tulpa asking (often surprising) questions.
Very abstract and hard to talk about stuff, I hope that makes sense.
It's like how you'll sometimes hear/read people say that tantra/mediation stuff like Kundalini can be dangerous because it results in an energy imbalance that could potentially be irreparable and/or lead to lasting damage.
I actually know an exorcist from a mainline church; I should ask him what he makes of it.