It's almost axiomatic that "Users don't read instructions," and a corrolary is that they don't explore settings pages or read the captions and tooltips that may be there.

If the software doesn't do something they want, most users will either use it as-is but be somewhat annoyed, or develop a (possibly manual) workaround. Most will not explore settings or read instructions, so spending a lot of time on "discoverability" is probably time better spent elsewhere.