>In other words: would your younger self in high school be able to understand the stuff in Numerical Recipes, and able to write some C(++?) classes.
Yes, because my younger self used to read math books on the side for fun. This is also how I learned C.
While it is true that you may absorb some basic stuff from schooling, it is VERY thin. I was by all accounts an exemplary student, and I still retained a small fraction of what I learned. Meanwhile all of the real-world stuff I learned is still mostly there.
We would do much better to figure out how to integrate young people into real life earlier, like we used to - apprentice => journeyman => master. But we can't tolerate that, because adults need to be "maximizing productivity" or some garbage, and don't have time to train kids.