The Rules are complicated but c'mon, it's only "dumb" jocks (or dumb/ignorant anyones) who give anyone else any authority! I was a "jock" and have played lots of tournament golf but I took the time to learn the Rules of the game I have spent a lifetime playing. I knew them very well even as a junior and much better now.
I can't imagine trying to play any game (Monopoly, Chess, Golf, Football) without an excellent understanding of the Rules.
For 99% of golfers and even the 1% of elite competition players if you took the time to learn 6 Rules it would cover you in 95% of all situations that arise on the course. For that rare situation if I am playing for a living, how hard is it to ask for an official or play a second ball?
The requirement for the player when using 3-3 is that when a player isn't sure what he can do, before proceeding he can tell his marker or fellow competitor that he wants to play two balls and which ball he wants to count. He last requirement is to tell the Committee what happened before signing his card. That's it. The Committee will decide which balls counts, why and what the score is.
My six suggestions re: Rules to know (assuming you care enough to want to play by the Rules--and if you don't, that's cool--it can be fun playing "golf" with a casual version of some rules too):
1. Rule 3-3 Doubt as to Procedure (Stroke Play)
2. Rule 24 Obstructions--how to take cart path relief
3. Rule 25 Abnormal Ground Conditions--casual water, embedded ball...
4. Rule 26 Water Hazards
5. Rule 27 Ball Lost or Out of Bounds and Provisional Ball
6. Rule 28 Ball Unplayable
Learn those six and most of your Rules problems are solved