Moo,
Was my comment insulting? No, not in my opinion. A 100 IQ is average in the USA, just like the average male height is 5' 9". Factually, half the population is below average in IQ and height. Both realities affect abilities in some areas. 10% of Americans never graduated from High School. 38% of Americans have graduated college. Some studies claim 40% of America doesn't watch or read ANY news daily.
My point is if you are, or have been living in ANY kind of bubble it is important to question WHAT you believe, WHY you believe it, and what your information source is/was. Having grown up and existed in the JW CULT for the majority of my life I constantly have to question my long held JW beliefs/world view and information sources for them, and avoid simply replacing them with just as faulty beliefs.
I believe that overestimating ones understanding is a common issue for current and ex-JWs that existed in the Watchtower knowledge and opinion bubble for years. "The Dunning-Kruger effect is a cognitive bias in which people wrongly overestimate their knowledge or ability in a specific area. This tends to occur because a lack of self-awareness prevents them from accurately assessing their own skills."