Hmmm...I write primarily what I know and have learned about the human condition, and research everything else. It's what writers do. From what I see here and on other writing forums, there's a great deal of angst and trepidation about crossing cultural and other lines.
I tackle characters outside my gender or sexuality or history or country or whatever in exactly the same way, by trying to find out what makes them tick, researching their experiences and attempting to portray them accurately an honestly.
If writers confined themselves to their own tiny range of experiences and were timid when writing outside their life-bubble, we would have missed out on some wonderful stories.
Your last paragraph seems to suggest a dichotomy that no-one's promoting in this thread. It's fine to write outside of your own experience of course, but a bit of 'timidity' (or humility, or questioning and listening) when you're writing into somebody else's lived experience could be called research - and is not a bad thing, I think.
If my research tells me that I'm overstepping by trying to write over voices that historically haven't been heard, I'll step away from that. It's an individual thing - not a blanket rule.