Nope. You're wrong. Where do you think your MRs or your sibling comparisons are coming from? You're not getting anywhere with weak instruments from a few significant hits. You're also wrong that the only thing of value is inferring "how genes work", and that is the sort of extremely blinkered mechanism-centric attitude which blinded people to GWASes working, because gosh, it would be awful if polygenicity was true, because how would we build any 'scientific theories' on this? (Cue Turkheimer.) And yes, those PGSes are useful for all sorts of things like selective sweeps, enrichments, and clinical instruments, because of incremental validity. (By the way, what does '15% heritability' refer to? I sure hope that, since you're claiming to be an expert here, you aren't confusing heritability with PGS power, like so many supposed human geneticists insist on doing...)