The difference between our daily lives and our thoughts according to philosophy lies in the fact that human beings are complex beings with several layers of consciousness. Our thoughts can be influenced by various factors such as our beliefs, values, past experiences, emotions and desires.
In addition, our daily actions are also influenced by external factors such as the environment in which we operate, the people we interact with, the situations we face and our responsibilities.
Therefore, our thoughts may not always reflect our daily lives as they may be idealized or distorted by our perceptions, while our daily actions are conditioned by multiple factors that are sometimes beyond our control.
As a summary we can say that the discrepancy between our thoughts and our daily life according to philosophy is simply a manifestation of the complexity of human nature and the influence of multiple factors that shape our actions and make us who we are.
Truthfully, sometimes we think differently and then act differently, because just like you correctly mentioned, external factor plays a strong role in making that happen.
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