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.

A person is praiseworthy for a right action to the extent that her action manifests, and is rationalized by, good will, that is, concern for the right and the good, not necessarily under the description "right" or "good". A person is blameworthy for a wrong action to the extent that her action manifests, and is rationalized by, ill will - concern for the wrong and bad, also de re - or moral indifference - lack or deficiency of good will.

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.

I don't think we are all irrational every time we fail to see through an argument in a book, but suppose it's true about you. You are still more rational than you think you are. You are irrational in a minor way - believing a misguided theory of the nature of rationality - but rational in a major way - you respond well to probabilistic evidence as you go through the day.

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.

I think that if your tenure case depends on your proving what you thought was a mathematical theorem and the proposed theorem turns out to be false just before your tenure decision, and you want to get tenure very badly, there is a sense in which it's perfectly understandable and reasonable of you to wish the proposed theorem were true and provable, even if it's logically impossible for it to be.

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