Just wondering

Just wondering, is it essential that we have to be well read in philosophy or psychology to understand life? What if I have not done any course - structured curriculum based academic degree or diploma. Does it make me an illiterate or less educated person? What if I gain a lot of understanding on life, people, living and various concepts through reading, watching series, introspection, interactions. Is that inferior? Can I be considered sensible, or evolved,  if I learn that way. Every thing I observe makes me think observe learn and unlearn. Is that not accumulation of knowledge. I may not be able to quote great men, but when I read them understand them and practice it wherever possible- is it not enough. I am wary of verbose and jargon filled speeches and philosophical quotes or any kind of observation. Does that make me an inferior person. To me learning is a continuous process. I learn from books, movies, serials, children and older people. I learn what to do, what not to do, what to think, what not to think. If and when necessary I will find out methods to tackle various situations in life, is that not enough?. I associate with people of all ages, all strata of society. I watch learn and observe. I practice what I feel I need to. To me this is enough. I do not care what others think of me, talk about me, perceive me as. As much as possible I try to maintain good relationships with people who matter to me. That is all. I want to practice being unmoved by emotional blackmail, Judgemental views and opinions. Is that wrong or right? Who is to decide or judge me  for my words or actions. So what if I am friendly with some and plain cordial to others both in relationship and friendship? Is it not my choice?. Do I not have the right to do so?. Must I at every stage think of others opinion/  comments on various actions of mine and various roles of mine.?.. Just wondering.. Just wondering..