A bit of a self insert, but I think you described the reality so well that I wanted to offer my own anecdote.
I'm somewhere between formally educated and self-taught. I did not complete higher level undergrad maths like discrete or linear. Because of this, my vocabulary is lacking. I don't even know what to google, even if I could teach myself!
Some subjects really benefit from instruction and direction. It's actually hard to find a math tutor to proof your vector math program in your late 30s. My colleagues either forgot or are using that energy elsewhere.