Learn English – Is there one word for knowledge and wisdom that has been obtained from different sources and from experience

I see a small difference between I am fine with it and it is fine for me, which is the same difference between I am unclear (used to express doubt or confusion) and it is unclear to me: in one phrase the grammar subject is I, in the other is it. For example, the focus could be placed on I to mean it is unclear to me, but it can be clear to others, or it is fine with me, and it will be fine with the others too; vice versa, the focus could be put on it to mean it is fine with me, but I don't know what others would think.

Most probably, both the sentences (the one starting with I, and the one starting with it) are understood to mean the same thing from most the people.

Looking for the frequency those, and similar phrases, are used, I get the following data (first chart; second chart):

In the US and Britain, the crime of offering to pay for sex is called solicitation, which is always illegal in the US and illegal in public in Britain. The term solicitor, however, was already taken. [Insert your own prostitution joke here] Traditionally, no matter what the law said, authorities penalized the seller and ignored the buyer. Where the law has reversed that (e.g., Sweden), the shaming term of art is sex buyer. Where the law has butted out (e.g., Holland), the more neutral term is client. Anglophone prostitutes (which isn't as seamy as it sounds) call their customers, johns, tricks, or scores.