I think it is wise, and integer, to differentiate in what we personally really know and think to know based on the study of texts etc.
Personally i feel ashamed when i pretend that i know something while there is only thinking to know. Knowledge of Dhamma is not really about thinking to know, right?
All those models, what do we really know about it? Is it our direct knowledge? Who of us does really know about gandhabba and rebirth, other then in theory? It becomes really problematic when theoretical knowledge is seen and presented as direct and true knowledge.
I think it is not foolish but wise to ask oneself in general..what do i really know?