Yes it's an interesting issue. Ive come up against you and a few others several times on this one. Then a few people chime in with me about it. So there seem to be different kinds of communities. Some are pretty savvy and some are definitely not.
It does no good for me to say I don't have experience of these whizzy users who only need to be told once, and who work a lot out for themselves. Because you do, and so do others. So there are strikingly different admin experiences.
Possibly because I work with
a) very young users
b) disabled users - some very disabled
c) anxious stressed out parents who can just about email (I teach them to do attachments!) struggling for the sake of their kids
d) an elder population to whom net things are challenging - research shows that over 60s find the concepts alien.
I wouldn't call my communities stupid though nor all the others like them. Just there are a substantial number of net user who have very limited net skills, and lack confidence around learning.
If you're working around being an admin, any area of tech, vehicles (in fact stereotypically masculine zones) online business, a lot of contemporary arts, games, music, then it will be very different.
Just different needs.