Are you more qualified than you think?

My conversation with my programmer boyfriend:

Me: You know, they are hiring junior people with stats background and experience in X, Y, and Z. (still in disbelief. Why would anyone expect kids out of college to be great at all these things?)
Him: I think you've learned enough to say you know all of that.
Me: I'm still taking intro to computer science. People sure are overoptimistic these days.
Him: Well I mean you can learn more once you're on the job...

Do women really have the tendency to believe they don't have enough experience to compete for certain jobs while men just don't care as much? I'm far from confident in my coding skills, having only nearly completed the one semester edX course on computer science. Coding is hard and my incompetence at it makes me ask questions like: geez, should I even include it on my resume? What if people ask me a question and I can not answer? I wonder if this is one of the barriers that keeps more women from pursuing programming as well as other scientific areas. Most guy programmers I know embrace their own incompetence, believing they can always improve on their job and they'll deal with whatever they're thrown at. What do you think?