I've built massive RF stuff with high school math and it worked quite well, better than some off the shelf stuff, and that's after a nice session with a spectrum analyzer to make sure you don't end up spewing garbage all over the higher bands. What really helps is to have access to good measuring tools and to know how to use them, as well as people with more experience than you to help guide you.
Stuff exploding or bursting into flames I've seen exactly once, on one of the most trivial circuits I ever built: a small boost converter for a windmill to charge batteries in low wind conditions. It worked extremely well. Until I disconnected the battery for service and then the boost converter kept on increasing its output voltage until the capacitors let out the magic smoke. Other than that stuff occasionally breaks. Oh, and if you do do RF stuff: beware of RF burns, that is a real risk, coils and capacitors in high power RF circuits should be treated with proper respect.
I'd be much more wary of Lithium-Ion batteries than analog stuff and buck-boost converters are cheaper to source as complete units than to build yourself (though you definitely can if you want). Your typical hobbyist isn't going to start off by building themselves an large inverter or a HVDC interconnect. They're going to build amplifiers, other audio gear and maybe some measuring kit or digital devices. Sound generators, function generators and so on.
By the time you reach the stage where you need to design a resonant LC circuit you'll have picked up a lot of working knowledge and some of that will tell you what bits to avoid and what bits you can probably handle.
I know plenty of HAMs that know enough math to be dangerous but they usually would not be able to do really complex stuff without access to tools (though I also know some HAMs that definitely would be able to do really complex stuff, they also have the corresponding higher level license).
Let's not pretend that everybody that builds electronics for hobby purposes is a math wizard, it just isn't true. Though it definitely doesn't hurt to have a basic understanding of RC and LC circuitry and to understand how to use op amps and other interesting components like that. Applying those is vastly different from designing them from scratch.
Also: quite a few people have a ton of fun just building kits and slowly expanding their knowledge and there is absolutely nothing wrong with that. At the highest levels you will need that math, but there is plenty of interesting stuff to be done lower on the ladder. HN is the last place where I would expect such gatekeeping.