If you ask people if they know something and they already do, they can sometimes be insulted. I'm never insulted when people do that, I think it's considerate, but I have seen people get all "of course I know that, what do you think I am, an idiot" on me.

I still ask if I'm not sure of someone's level of expertise - I think any reasonable person would react positively.

Yea, that’s simple in a one on one. But how do you simultaneously provide the right level of jargon and context in a standup with a mixed crowd of MBAs and developers? Either the PM is frustrated that they have to listen to you go in the weeds, or they don’t understand why is this is important, or the fellow dev isn’t getting enough technical detail to understand precisely the crux if you’ve oversimplified.