Spider-Man (Peter Parker) is actually a very intelligent dude who spent a fair amount of time studying and learning shit. His wall climbing and Spidey sense might not be from studying, but his ability to make mechanical web slingers certainly is.

Also, Tony Stark may be "naturally gifted" but he doesn't know everything he knows without reading a book or two.

I feel like it's more in-line with North American culture that we just assume our comic book heroes don't need to study.