Of course don't forget that "writing up an answer off the top of their head based on that, filling in any missing material by just making something up" is what everyone does all the time, and in particular it's what experts do in their areas of expertise. How often those snap answers and hasty extrapolations turn out correct is, literally, how you measure understanding.

EDIT:

There's some deep irony here, because with LLMs being "all system 1, no system 2", we're trying to give them the same crutches we use on the road to understanding, but have them move the opposite direction. Take "chain of thought" - saying "let's think step by step" and then explicitly going through your reasoning is not understanding - it's the direct opposite of it. Think of a student that solves a math problem step by step - they're not demonstrating understanding or mastery of the subject. On the contrary, they're just demonstrating they can emulate understanding by more mechanistic, procedural means.

If instead you are reading the expert's blog post or hastily composed email or chatting with them on an airplane you get a different level of polish and care, but again you can use context to evaluate the source and claims made. Often the result is still "oh yeah this seems pretty insightful" but sometimes "wow, this person shouldn't be speculating outside of their area of expertise because they have no clue about this".

With LLM output, the appropriate assessment (at least in any that I have tried, which is far from exhaustive) is basically always "this is vaguely topical bullshit; you shouldn't trust this at all".

Edited: I just submitted an ASK HN post about this.

Certainly not my experience. Without being more specific, it's hard to discuss. Feel free to name something that can be looked at.