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I am bothered by the comments on 'incompetence' and 'mediocrity', because this attitude can smother passion and participation in those fields. Learning mathematics is a lot like learning a language or a musical instrument. Not all are gifted, but many find fluency with time and effort. Even those who never transcend mediocrity find enrichment from the study, whatever their reasons for entering the field. Condemn not the art lover who can't paint, nor the music lover who fails Mozart. Time and perseverance brings their own rewards to those of passion, even for those lacking native talent.
Personal libraries and books in general are less important than they once were. Before moving across country, I filled an entire pickup truck with boxes of books from my personal library, and sold them at the second-hand book store to help pay for gas. I hated letting the books go, but most were rendered redundant by the digital age. My collection of math and science books are particularly cherished, so I held on to those. I went from six stuffed bookcases down to one. This is MUCH easier to manage. But digital content will never replace the physical book experience, with a good cup of coffee.