Are you saying that 1.01^365 is too big? I think there are lots of things where if you are starting from near zero skill, that's not a crazy big number.

Not parent commentor, but My issue with 1.01^365 analogy is that it implies that somehow that skill multiplies itself. There is no obvious reason to believe the gain from _(skill acquisition, language learning, workout, whatever) is better modeled as 1.01^365 than 1+(0.1*365).