I understand the confusion haha, I'm only 27 but I've always loved Coins growing up, and I actually used to have a red book back in the mid 2000's, but have since lost it. I learned quite a lot about coins, and what to look for when searching through them, and the different types of errors that exist have always fascinated me. The only part of numismatics I never really learned was how to grade coins looking at them, what to look for in a coin like the scratch that's been brought up and how that would affect the grade of the coin. Wish I could say I could look at a coin and know where it potentially stands condition wise haha, so learning what I did so far has been really helpful. When it comes to getting coins graded, I've never needed to do it before, so it was new territory that I wanted to get advise on. As far as assembling different coin sets goes, and being considered an actual coin collector, I've never really had much interest in it, besides for having the 50 US states quarters. So being that I never deeply got into the hobby, a lot of the terms you say you never heard of, don't even sound familiar to me. But I do stack gold and silver, love the history of different coins, and learning about the many varieties there are in US coin history, and really enjoy seeing the different silver coins other countries have, and I still really enjoy roll hunting and coin searching when I have free time. As far as the value of the coin I found, I was mostly curious to see what collectors had to say because of the huge ranges I've seen it go for.
A bit of context in how I found the 92-D, my grandparents had a huge jar filled with pennies, and they decided they wanted to cash it out. (Not insanely large, probably 20ish dollars worth) which explains its condition, its been sitting in a jar for 15-20 years. So of course I asked if I could search them first, and they were perfectly fine with that, and ended up getting lucky on it!