I totally understand what you're saying. I hate cog fog with a passion. Some days it's nearly debilitating....others it's manageable.
The thing with me is that I can read something, understand it, but if someone asks me about it or wants me to explain something in further detail I'm unable to. It's like I can't put my thoughts into words. Or if I do manage to then I can't think of certain words once I begin speaking.

It's so aggravating.
I find it's worse later in the day so fatigue has got to be playing a big part of it. I'm sorry you're struggling with it, too, but at least we know there are others here who experience similar things (unfortunately). We're not alone on this crazy ride!