Tough call Sparky, but not for me. I learned music from family functions. At all of our frequent family gatherings, my uncles always provided music, it was a given (my dad was from a family of 16 and my mom 10) No one had any kind of formal music education, but it __ was __ fun. I wouldn't consider turning down a request to play for my family.
Like my uncles, I may be short on formal music ed, but I have fun (especially when I get paid to play ...)
Ciao,
Jerry