Question to all the writers/readers/editor types...

When writing we all know that the current standard is to mark thoughts/interior dialogue with italics (although there are those who say you should underline them).

Anyhow: I have a terrible time determining what is thoughts/interior dialogue and what is just deep third person POV narration. What are your opinions on it? Is there really a hard set rule on what is or is not a "thought"?

( For examples and questions )

I tend to write fairly deep into the POV characters thoughts. I never can tell what is thought and what is just POV character narration.

And that is driving me nuts.

I'm also beginning to hate italics.