Epistemic competence might be posterior to knowledge conceptually, however, while still prior metaphysically.

There's not much to be done about the impossibility. One must instead get rid of the desire.

A successful account enables us to understand human knowledge in general.

When the risk of failure is too high, the right choice is to forbear.

Epistemology now flourishes with various complementary approaches. This includes formal epistemology, experimental philosophy, cognitive science and psychology, including relevant brain science, and other philosophical subfields, such as metaphysics, action theory, language, and mind. It is not as though all questions of armchair, traditional epistemology are already settled conclusively, with unanimity or even consensus. We still need to reason our way together to a better view of those issues.

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

Normal adults can doodle, amble, and drift with no need to assess risk, since there is normally no risk at all. Jazz improvisation seems less subject to standards of risk than surgery, and less than much formal athletic performance, as in a tennis match.