10 points
None of those things needs a big time requirement. You could work out for 5 minute a day if you want, study for 5 minutes, and do something creative for 5 minutes.
Most people don’t prioritize vitally important things like self study.
16 points
I agree, but putting the time to make space and pull out study material has to have the value of learning enough. I do actually study regularly, but we can’t pretend it doesn’t require significant energy and dedication to produce a result.
4 points