So I'd place my actual learning at about 10% textbook(and I'm being generous), 30% lecture, 20% math tutoring/TA help, 40% internet.
Since I don't know your specific situation, I could be completely misinterpreting what you mean. But it seems you have 0% "figure out the problem".
Math isn't a subject that has to be learned the way foreign language or geography has to be learned. If you don't have something described to you in a book, then you absolutely need another reference to learn most subjects (such as a TA, Lecture, or Internet).
But with math you never need a reference for anything but definitions, and most definitions should be obvious anyway. There is always a first person to solve a math problem, and he had no references.
Like I said, I could be completely misreading your situation, but from what you wrote, it sounds like if there isn't a template for how to solve every single problem type that you give up. If all you know how to do is follow methods and change numbers around here and there, then you aren't learning math.
The greatest instruction anyone can give a person who pursues math is simply to ask a question that they can solve if they try. Many of us who study math seriously love nothing more than to be given a problem that's just barely out of reach.