I'm 70%-ile online chess player. That is average relative to players active on lichess in a given month.
I'm better than most people (maybe top 10% even) that "play a little." I'm (I assume) well below average for adult tournament player. The pool matters. I think if I took lessons and dedicated a serious 100-200 hrs over some period, I might reach 85th in my online pool.
95%-ile is currently ELO 2075... just under where junior masters (CMs) seem to be on lichess. I suspect that extra 150 elo would be a difficult jump... but maybe doable for me and other average players.
Chess is probably structured similar to athletics and other such pursuits. You can probably expect a similar distribution for weight lifting, for example. The average person can probably reach the level where everyone (including most over average people) is "actually trying" simply by being systematic. Where that point is varies, but weight lifting and chess have similar ranges of participation levels... like many hobbies.
In any case... I think unlike chess, it's worth focusing on either strategy or technique... not tactics.
Strategically defining the thing (chess is defined, but "software engineering" is malleable). Meaningfully selecting the pool. Actually deciding the value. Getting to top 10% rec chess player sounds fun. Getting to CM sounds arduous and pointless. There's not much value in being an entry level chess master... or power lifter.
Techniques, like the habit of planning a training plan, creating a strategic plan with goals, timelines and such... that's a valuable asset... very transferable. The tactics... not so much. Meanwhile, you don't need great tactics to get results, and tactical advice is the easiest advice to get.