Once again, whether talking it through out of character like this would be acceptable would depend on the group.

I can see arguments for and against. For me, though, the big one would be slowing down the game if it happened a lot. Infrequent is probably fine unless going for a certain tone.

I imagine one thing a GM might do, which I vaguely recall seeing done, is putting a timer on a decision in a moment when, in-story, time would’ve been of the essence. Like “you can so this, but do it quickly”.

Which I see as keeping the game going and keeping it a challenge, and not being a overly-controlling GM (if done well, of course).