No I do not think you think too much. Why have some of the
greatest mathematicians died young (in duells). Was that intelligent?
Recently some unknown papers of Archimedis were found. Mathematics shapes the future. Had they been found earlier, men would probably have lived on mars today.
That may have been important for men to survive. When somebody ask me about intelligence, I always say, the ability to survive by acceptable standard is one of the most important aspects. Another, how you meet / tackle situations that you have never experienced. Your ability to use what you have learned in other different fields.
Knowledge is far from the same as intelligence in my view.
Perhaps I do not like the word IQ, negative association Nietche and "
Das ubermench".
Conclusion: Survive happy by acceptable material standard, as long as it is natural, with good relations to yourself, your family and other people. That is my definition of IQ.
There is a saying in finance: "When rocket scientists crash out of orbit." You do not need high IQ to make good investments. Ask Warren Buffett.
P.S. My aunt Sigrid, 93 years old, living in Greenwich Connecticut, she is intelligent! I think she takes a glass of wine, two or three ... every evening :-) She would not have been intelligent, according to my definition, if she died younq as an alchoholic.