@Najela I come up with stories in a very similar way. I’m always thinking “what if?” Sometimes it’s a character. Sometimes it’s a line, but most often it’s a scene. A pair are wavering on starting a relationship, but think the other isn’t interested. What if one of them was caught in a compromising position by the other? Often the scene just takes off from there.
I tend to think so much in individual scenes, so my biggest problem comes in figuring out how to connect them. I don’t tend to think in terms of boring or exciting. I prefer slow and fast. Have some exciting actions scenes, then slow down to let the reader catch their breath before jumping on to the next one.