All that's true, and especially in the real world, CRM is decidedly a two-way street between the pilots... but on a checkride, it depends to some degree upon how it's set up. If the examiner's in the other seat, they may act as a less-than-forthcoming voice-activated copilot for the purposes of CRM (unrealistic, but you need to be prepared for it).
If you're lucky like I have occasionally been, the examiner sits in a jumpseat and you have another fellow you know in the copilot's seat. There are also examiners who are realistic and excellent as copilots and have no problem shifting roles for better fidelity to reality.
Regardless, the examiner is going to be focusing on you, so you need to know all the nuances of the briefing and CRM. "Y'know what I mean?" should probably not be part of your briefing.