Lowered reliability obviously yields a lesser competence. But lowered breadth does so as well.

Judgment is affirmation with the intention to thereby affirm competently enough, and indeed aptly. That distinguishes judgments from mere guesses.

In competitive archery, risk assessment has minimal bearing on quality of performance, since the archer has so little choice over shot selection. By contrast, in a hunt, shots vary in quality according to how well selected they may be.

We must distinguish judging from guessing.

One does not avoid incompetence if one makes an attempt whose likelihood of success is too low. This seems little more than analytic: when the performance is in a domain that imposes standards of risk, attempts may or may not meet such standards. And the relevant competence of agents then includes reliably enough meeting those standards.

Philosophers need not much use the word 'intuition' or the concept of intuition, except when they happen to be working on the epistemology of the a priori.

When you dream, your perceptual (and other) competence is affected. You are then unable to get it right competently with the beliefs in your dream.