Maybe I'm thinking...complacent when it just means "at ease." I would want the latter but not the former. I just dislike the way everyone in our society says things like "I'm not comfortable doing that.." as a synonym for "I don't want to, because it will stretch me."

But FG, I agree....I don't think that comfortable means incompetent. There is a stage, though, where the familiarity can lapse into just having a chat, and when that is the WHOLE of the therapy hour, week in and week out, work and change may not be in the cards.