For me I think it helps that I have an oblivious charrie who, even when she might notice, pretends she doesn't so half the time I see things she shouldn't know, it's easy enough getting her to turn a blind eye. In general I find it weird and slightly annoying ahem when IC and OOC start switching between each other whether for the charrie or the RPer so I'm super conscious about what makes sense that my charrie would know and what wouldn't. There's loads of stuff I know Lex wouldn't agree with if she found out but I can't have her acting any different because it's not something she legit knows.

I've stalked SO many things and thought up charrie reactions but that's as far as they ever get for me, thought up ideas that never come out in the RP unless the knowledge gets IC slipped to them.