I wonder if 頭がいいかもしれませんが or even どんなに頭が良くても/たとえ頭がよくても can replace 頭が良くても here and be a usage that is more modest in tone when the subject is the speaker or the writer. "~~かもしれませんが" at least is commonly used to express the idea of "may--but" in explaining or conceding a point in a debate without compromising your entire point-of-view.
You can also say に住んだ事がないから but it describes a subjective reason, based on personal opinions that don't have to be justified rather than widely acceptable reason or actual fact so it can make the sentence sound stronger, or even unreasonable and childish. ので is the softer 'because.'