Questions like this one, and especially the answers occasionally provided, sometimes make me wonder whether the people asking and/or answering are married. Should there be a policy about asking (or at least answering) these questions if a person is not intimately familiar with the way things work in the real world? If someone is not and has not ever been married, should he or she be answering this type of question based on knowledge learned from a book?
It seems the Gemara already asked this question. On Sotah 4a, Ben Azzai (in a long list of other opinions) tells us that the length of time for Stirah (when the Sotah and 'Boyfriend' are alone together prompting an obligation to go drink the Sotah-water) is the amount of time it takes to roast and egg. On 4b the Gemara says that all the opinions were founded on personal experience. But the Gemara asks, wasn't Ben Azzai a bachelor? It answers three different ways: he was married and got divorced; he heard this measurement from his teacher; סוד ה ליראיו he knew with some sort of divine help. We see that the Gemara didn't mind his answering the question if he indeed had a good source.
So too should we act on Mi Yodeya: all answers should always be completely sourced. If the source is in writing, great. If it is personal experience, fine; it will be upvoted if it is reasonable. If someone wants to make up a personal experience and post it on the internets, I don't think there's much we can do about that, and if it is unreasonable it will not attract upvotes and perhaps even be downvoted.
Knowledge learned from a book can be valuable. Despite what They say, it can be a substitute for knowledge learned from experience.
עולא איקלע לפומבדיתא לבי רב יהודה חזייה לרב יצחק בריה דרב יהודה דגדל ולא נסיב
I assume you would not suggest that רב יצחק בריה דרב יהודה could not answer — or ask! — questions about hilchos nida. Granted, there are no רב יצחק בריה דרב יהודהs today, but I think the principle still holds: personal experience is not strictly necessary for answering questions (and certainly not for asking them).
That said, I agree that askers and answerers should bear their inexperience in mind and try to post only such posts as evince wisdom.