ARE YOU ALREADY "WISE ENOUGH"?
"I do more than OK in life, so I don't need more effective thinking."
You may not need it, but any effort put toward improving it will pay off big time. Every advance in effective thinking has dividends not only in terms of making better decisions but also in lowering stress and defensiveness, which take a great toll on one's physical and psychological lives.
Emotional reasoning, for instance, is not called emotional for no reason. We associate being wrong with great emotion. We activate the fear mechanism when we are irrationally making up that we are threatened - when we aren't.
As you get more effective in thinking, you become more loving and much more open and "spiritually fulfilled" and you are more and more capable of contributing to others (and yourself).