It's pronunciation that's hard to guess from kanji.
頭が痛い (atama ga itai)
頭痛がする (zutsuu ga suru)
harakiri (腹切) is seppuku (切腹) backwards
Several different readings is a bit of an exaggeration, it's more common to just have a kun'yomi and on'yomi reading, and on average I think the number of readings you'd know for a character is between one and two.
Purely from personal experience, I hear adult native English speakers (including myself) mispronounce words all the time! It's a common mistake to pronounce a word as if it were borrowed from e.g. French when it was really borrowed from Greek or Latin. So if you want to know how to pronounce "ch", you might say /ʃ/ if it's French and /tʃ/ if it's English. This seems to me like another variation on the same problem we have with reading Japanese, where characters have Japanese and Chinese readings.