Moral virtues and intellectual virtues are very different from each other, and moral virtue has to do with motivation, not cognition. Moral virtue requires a human level of intelligence, but it doesn't require that one be an intelligent human.

Other things being equal, ill will is worse than moral indifference (as in causing suffering for money vs causing suffering to cause suffering), though things are rarely equal.

When you find yourself reluctant to sit on a chair because it had unexpectedly collapsed in the past you might shake your head and think "there, I'm so irrational!". But your reluctance to sit on a probably rickety chair is not irrational - you think it's irrational because you have a false view of what irrationality is.

I would be ok if I found out for sure that if I am in any way superior to a wolf it is simply in virtue of my brain's higher capacity and complexity. A large difference - my cerebral equipment allows me to have such diverse concepts as "hope", "funky", "England", "multiplication", "three strikes" and "the categorical imperative" - but a difference in degree. Wolves, of course, are superior to me with regards to smelling, hearing, and running, and are generally superior to humans in that they don't kill each other.

Suppose whether or not someone tells me a lie depends only on whether he wants to, but he is morally indifferent, he doesn't care much about the truth or about me, and his self interest, which he worships, tells him to lie, and so it comes about that given his psychology, it is a forgone conclusion that he will lie to me. I think in this case he is still blameworthy, and that implies, among other things, that he did something he ought not do.

The fact that only humans above a certain age can be morally virtuous, rather than babies or cats, means that that being moral requires some cognitive ability. If virtue is about desires, it is worth remembering that you can't desire some things without being able to conceive of them. Suppose a virtuous person will desire to make people happy and desire to tell the truth. You can't desire to make people happy without having the concept "happy" and you can't desire to be truthful if you don't have have the concept "lie", so a cat or a baby cannot desire these things.

Virtue is about wanting right and good things, not about being particularly good at thinking.