More or less my experience as well, stuff I go for regularly are 13-15% THC to 1% CBD. Depending on where you get your weed from, coffeeshops do occasionally mark their ratios.

I should probably go for higher CBD ones...

I smoke THC distillate with essentially no CBD, I find it to be calming and not to induce anxiety or paranoia.

That's possible, for some it does nothing, for others it can be the path to non-recoverable schizophrenia. My advice to people who smoke high THC is: if you have had weed-induced psychosis then you might be able to develop schizophrenia with prolonged use of high THC weed. In other words: smoke seldomly.

However, it might also be possible that one simply doesn't notice their cognitive decline. To check on this, people would need to listen carefully to their environment. If they say something is wrong with you, then something is probably not right indeed.

The reason for this is: schizophrenia and psychosis related phenomenon take away the ability to self-reflect.

Unfortunately, I don't have sources for this, other than that I read up on it. But for now, it simply is just one opinion on the internet. Search engines are your friend here, especially academic search engines. And I have friends who are psychiatrists, so those conversations help.