Great topic. I'd say I know about 30% of what my Yamaha Clavinova can do and that's pushing the upper limit. And with the Korg Pa800 I recently purchased I'm about scratching the surface.
As Gary Travlineasy, said "I suspect that 90 perent of keyboard owners, both arranger and synth, know little or nothing about the inner working of their keyboards and associated operating systems. Most like what they hear."
From my view, I just want to play and concentrate improve playing skills vs. spending many hours learning an OS. I often wonder where my actual piano playing skill and technique would be if I spent the time practicing instead of trying to create, Songbooks, Registrations, Renamed Styles, Reworked Styles. etc etc. However, I will say it can be more fun doing that the the discipline required for concentrated practice.