I think that in this article Steve discounts the effect of actually doing the math for yourself. It's comparatively easy to read about something and think that you've understood it. It's another thing entirely to be able to do that math on paper and get the 'correct' answer without needing help.
There's actually a place slightly beyond "able to do it on paper" at which you grok the maths so well that you can apply it in non-obvious situations without any conscious effort. I'm not sure how to get there in general, but I've noticed that I'm more likely to be able to do this for subjects that I learned in proof-heavy classes.
-- Paul Dirac