What I really like is when games give you multiple opportunities to "get" what's going on, basically sprinkling tutorialness around (and avoiding the big hit of tutorial at the beginning).
Like with any learning, people might have total knowledge, but they might have partial knowledge and _think they know_, only to end up just missing vital info. You want to have extra chances to get it.
Ultimately games are often about failing a bit, and then succeeding. Hard to balance that with over-tutorialization. Especially in the land of open world immersive sims where you can easily just break a quest chain on accident if there are no handrails.
I don't know what the "right answer" is, except that I've been every persona in this problem and the failure case sucks. Ultimately "tutorial that is more or less instant if you know" is the least worst IMO