The morality of thoughts could be elaborated on a bit:
Thoughts precede both verbal and physical actions, and so thoughts are a nonphysical aspect of those actions.
Whenever I start a new habit, or stop an old habit, I fantasize about my words or deeds in the manner of whatever change I am trying to accomplish. After some thinking, I eventually see opportunities to act in new ways. And by leaning into that direction with the choices I make, I can affect real changes in patterns of being. Maybe my brain is wired differently from everyone else, but for me, thinking about certain actions makes it easier to engage in those actions.
Now this doesn't just apply to intended changes in behavior. I have also experienced how fantasizing about the pleasures of eating ice cream can lead to eating more ice cream than is healthy to consume. Or how ruminating on how mad I'll be if so and so does that thing again can lead to an angrier than normal response to some stupid problem.
I extrapolate that in a similar way, fantasizing (in essence, thinking) about committing a particular crime would make someone more succeptible to actually engaging in that criminal action. And that if the situation were to present itself it would require greater restraint to hold back than if such fantasies were not induldged.
While the thoughts themselves alone cause no harm, because they have the effect of pulling one in the direction of nonvirtue, they are inseparable from that chain of cause and effect that brings about variously moral and immoral actions.
So I categorize thoughts as having degrees of morality similar to how actions do. But I am not a mind reader, and have trouble understanding exactly what people mean when they speak, so I do my best to always avoid judging the morality of others, but instead try to consider my own, and act accordingly.