As someone who has "taken under wing" a number of riders, I can honestly say that although I feel like I do help them a lot, I'm not the same as a coach. I listen to them and recommend the next step, but I don't plan the next 10 steps down the road like a coach would. I can explain a lot, answer a lot of questions, but they aren't getting a plan from me. The plan they create themselves, and then I'll add my own input.

You get what you pay for, basically. Your teammates might know you better than your coach does right now, but even those with the best intentions are not going to help you plan like a coach will.