Despite the fact that it is listed as one of those classes, specifically in the DMG, that DOES NOT make a habit of going adventuring you mean?
Sure, just like most Fighters are actually guards, mercenaries, or warlords. Just like most Clerics are church functionaries, village preachers, and community leaders. But obviously, we're talking about playing these classes as PCs... we're not talking about the random NPCs that do nothing interesting in the story.
Ignoring, further, that a good 99.9% of the population of the Expert class are the "village blacksmiths" you mentioned, and that only, maybe 10-20% of monks fit the "elderly monastery retirees" demographic.
I strongly doubt 99.9% of Experts are village blacksmiths. For one thing, I imagine city blacksmiths are some of them. Also, I bet there's other professions, like librarians and tailors and artists. However, I imagine a heck of a lot of Monks are indeed folks that hang out in monasteries, while there's also plenty of them that wander about as impoverished truth seekers and the like. But less than .1% of any class is PC adventurers. Consider how many folks are just living in your metropolises that have nothing to do with the story.
(Additionally ignoring for the moment, that you ignored the rest of what I said entirely, thereby missing the point) Seriously, do you see what you are doing here? You are responding to my quarry by creating an unequal and unrealistic model of comparison between the two classes. Just as you were with Summerstorm, and likely everyone else you've had this conversation with.
I'm not ignoring your point. I'm simply taking apart one of your arguments, namely the one where you want to compare a PC type Monk with an NPC type Expert. Since this discussion actually started in regards to the tiers, we're talking exclusively about PCs and thus you're completely off target.
Furthermore, there's been no double standard, no setting up Monks to fail. In fact, the Monks have been given amazing leniency. Consider the fact that Giacomo was running around claiming that he could make these high Int Monks that were skillmonkeys and claiming they were solid... while at the same time claiming that undead creatures with over twice the hitpoints and far more immunities were liabilities that would die constantly. That's your double standard.
The scenarios we've asked Monks to prove themselves in are the most basic, standard, and common of D&D scenarios. Since Monks are billed as a combat class, we expect them to fight well at the very least (which they have terrible problems doing) and by Giacomo's own claims, they can't even do that (let's face it, he thinks the sort of undead you get via Animate Dead die all the time... and yet his Monks have all been far less survivable).
For Experts, well, they can handle their area of expertise (which they can pick from among the various skill areas). And we expect when talking about PC Experts that they're going to pick useful adventuring skills (Diplomacy, UMD, Iaijutsu Focus, Handle Animal, Lucid Dreaming, etc), since we're not talking about the random guys about town.
JaronK