Ainz didnt really had that much education as compared to Kunai.
-Ainz came from a dystopian future where earth was like a wasteland due to pollution and had to join the work force due to circumstances as a youth. Humanity was so smol in numbers and education was considered to only be meant for the rich ppl. Watever knowledge he has, he got from his work experience. Also Ainz's emotions are being regulated by some means thru the system so he cant get agitated. And because of that, he is slowly evolving into what a Lich should be, emotionless undead king. Also its not that he cant plan for himself, as u can see, he did gave his minions instructions on how to deal w/ stuff. Its just that he lets them do watever they see fit as long as it completes its objectives. He doesnt give them specific instructions so u might say he doesnt have much on him but that doesn't mean he is dumb. He just made use of the fact that his minions are more capable than him but they are very loyal so he can't really mess up.
-Kunai was a programmer iirc. He went to college so he has atleast some management knowhows as some offer such subjects as minor courses. Kunai seems like a better manager cuz he applied modern business logic to a medieval culture. Being a modern man means he has idea of the past culture and economy so he can exploit it w/ modern practices. He also got diff personalities inside him unlike Ainz. And he has no control over them. He can only subdue the original Maou/ring by switching in Zero. So i think Ainz has it better as he is only plagued w/ suppressed emotions while Kunai has to deal w/ diff entity inside him.
Overall I think they have the same situation:
-Both are stuck in their avatar of the game
-Both has to deal w/ this unknown world and find a way home
-Both have minions who are much more intelligent than they are so they have to wing it lest they get bitten later altho the said minions are loyal to a fault so back stab is less a problem.
The diff w/ them is:
-Ainz played by that world's rule by playing as an Undead King w/o an allegiance. He will fight whoever opposes him in order to lure out the other party that has a hand in his summoning even if it means ruling the world. But he never added new things into the world. The world he got transported to already has the things he had in his previous game but as magic items brought in by another party. Dunno if he wants to go back home.
-Kunai wanted to have a clue as to how to get back but he needs stuff so he gotta establish himself. But he does not want to rule the world, just live peacefully as opposed to what he did in his lat game. He introduced new things which didnt exist in that world before.