I feel the God factor is really important! Men will always let you down but not God. We should be pleasers of God and not men.
Also, experience is another important factor. If you analyze some of the wise men in our society today you'll found out that they are men who have experienced a lot in life.
Our experiences differ and you are right, a lot of experiences can be overwhelming which is why the God factor can never be ruled out. God above all.