While I agree with your point that knowing things matters, it is entirely possible with the current batch of LLMs to get to an answer you don't know much about. It's actually one of the few things they do reliably well.

You start with what you do know, asking leading questions and being clear about what you don't, and you build towards deeper and deeper terminology until you get to the point where there are docs to read (because you still can't trust them to get the specifics right).

I've done this on a number of projects with pretty astonishing results, building stuff that would otherwise be completely out of my wheelhouse.