I found it to take much less discipline actually. I find an unstructured and curiosity-driven approach to learning math to be much more enjoyable and effective than the typical school approach. You are right about the solitude issue, although I’m unsure about whether this approach to learning is an intrinsically lonely pursuit or if there’s a possible society where it’s not.
I know I’m just speaking from my own experience and what works for me doesn’t necessarily work for everybody. But my claim isn't that everyone should do as I did, my claim is that you're wrong that a self-taught ML researcher would necessarily only be able to make superficial contributions because they are bad at math.