Great article that goes beyond fear-based arrogance about if you haven't lived it or have a PhD. on it don't go near it.
I love to research. The best job I had for 15 years was RA and can fall in love with a subject and invent a story around it. However, unless I have some actual experience with the subject my story ends up sounding like a subject "paper" and my characters are so vogue they don't even cast a shadow of profundity. So even if one researches a subject to the bone of know-it-all it does not mean that one I can write a novel around it; maybe a "paper" but a novel. Characters do not speak from their gut so a writer, so in my not so humble opinion, better get a bit of writer’s reflux.