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The phrase "here's what I think" is correct and usable in written English.
You can use it when expressing an opinion about something. For example, "We need to decide how to stack the shelves. Here's what I think: we should organize them alphabetically."
Idiom
It is what it is.
This is used when a person, place or thing is behaving in accordance with their nature, so that behavior should be accepted or expected even if it is not what you would like.
Exact(60)
"But here's what I think really bothers Flanagan's critics," Paul says.
Gutierrez responds: "Well, here's what I think, with all due respect to everybody's opinion, there was $700 billion in TARP.
Here's what I think.
But here's what I think.
Here's what I think may happen.
"Here's what I think," she said.
So here's what I think—I'm guessing.
Here's what I think: hang on to everything.
"Here's what I think that is," he says.
So, here's what I think is going on.
"Here's what I think," my brother Dan said.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com