I didn’t mean to antagonize you.
I love maths.
I feel like ratios are like 3 x 2 = 6, it’s pretty basic.
I just meant that maths are not really in your way for discovering FM. Same for all the weird unmusical jargon attached to FM synthesis. “Algorithm”, for instance, is really not wisely chosen.
Btw, the link I gave precisely address with humor this point exactly (you haven’t read it, have you?).
At a time when I knew nothing about FM, it demystified the subject to me, and made learning very simple and fun.
Once one clearly understands the basics, with two signals only, piling more knowledge is less intimidating.