Actual philosophers are not as bad at the false answers thing as some people who rise to public attention, instead they serve the useful purpose of making people realize their preconceived notions about their own thoughts and their relationship to reality are not as sound as they may have thought, by virtue of the many different ways others have self-consistently answered the same questions.

I think you'll need some sense of metaphysics and epistemology and maybe even ethics to function, most people have one (they know what they think the word "reality," means, they can distinguish between thoughts and observations, they wouldn't kill unless they were seriously threatened) but when that is extended into a "let me tell you how the world works" thing it becomes philosophy done bad, which can only be resisted by knowing philosophy done right (the impassive if frustrating collection of a lot of possible solutions). It is a universal human trait to want to answer these questions, even the so-called "rationalists" have a web page with a list of doctrines. The only way to do it wrong is to come up with one answer and think that it is the answer because it's the only answer you know and that is what learning philosophy is for.