Hello Mr. Joe.
Welcome to Using English.
I say this all the time. It's a polite form. It's less direct, and therefore "softer."
You can think of this as "If you wanted to know my thoughts on it, I would say..." or "If I were in this situation, the way I would say ..."
English has a lot of this: "I would like..." vs. "I want..." or "Could you please tell me the time" instead of "What time is it?"
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