Assuming there are at least some things that require a minimum effort that is uncomfortable before allowing you to see their benefits, you will discover more guided by qualified people and well-designed curricula than on your own.
Then, there are the people: from my experience especially with Ivy-League faculty, these schools seem to do something right. Remember that one teacher from school that really got you into (reading shakespeare/track/organic chemistry)? Yeah, they aren't all like that, but a rather significant number seems to be.