I'm a newbie needing expert advice: how should I deal with "proactive incompetence"?

I think it’s great that you are thinking about these types of things. However, I would note that very similar ideas how been proposed and rejected by staff previously. Examples:
A way to have a reputation/expert system

Requiring comment on disagreements of coarser IDs:

So I think it’s fine to discuss these ideas, but they wouldn’t be accepted as feature requests or implemented (though staff didn’t 100% close the door on some type of reputation system in the future that was totally internal to iNat).