A good analogy is that the human mind can have it’s own internal stable diffusion or Midjourney, complete with the ability to give it a “prompt” i.e. thinking about what you want to imagine.
I was surprised to learn a while ago that not everyone can visualize things in their mind. As far testing for it, I don’t really know how that would work. I don’t think you really need to test for it, I assume most people who can visualize things in their mind know that they can.
I think fMRI combined with machine learning will get to the point of being able to very accurately test one's "mind's eye" abilities. I take with a grain of salt anyone's claimed ability to do this until proven by the fMRI test. Self-assessment has a very poor record in most domains.
I'm about a 2-3 when I'm just idly thinking about things, and can get to about a 1-2 if I really concentrate on an image. Subjectively, the images I'm experiencing in my mind aren't exactly the same as actually seeing things, but they're pretty similar.
I have those indeed. That's not what the discussion is about.