Knowledge and Experience (K&E) and Risk Tolerance assessments must be cleanly separated since each plays a distinct role in determining overall suitability.
Questionnaires – especially ones not thoroughly tested – can be cursed with their designers’ knowledge: a failure to understand what it’s like to not understand even ‘simple’ concepts, e.g. the difference between shares and bonds.
Risk Tolerance is always, and K&E is in some circumstances, an input into a Suitable Risk Level.
Low K&E should restrict investment options, but not systematically and forever, which is what happens when you bake it into a Risk Tolerance score. K&E is a temporary constraint, more akin to short-term liquidity issues than to a long-term psychological preference.