I've never felt that comparing our own intelligence, strength, dexterity, ect ect to our characters abilities was ever a valid method to judge what a character should, could, or would do in a game. There are just too many factors in life to determine things like that.
For instance, why couldn't an Int 8 barbarian solve a puzzle before an 18 int wizard? How does knowing brain surgery help a guy solve a puzzle better than a guy that knows how to live off the land? Everyone is intelligent in their own ways and sometimes the dimmest of people can be very clever. How many times have we seen children outsmart an adult? There's plenty of college educated people that still don't know who is buried in Grant's tomb!