11. It assumes the infallibility of man’s understanding.
No it doesn’t. It assumes the ability of the living Christ to shepherd his fallible sheep infallibly through Scripture and the Holy Spirit working in tandem in the lives of genuine believers. Institutional superstructures are nice if you can have them, but what does God need that any man can supply? Nothing. Run whatever arguments you like against Sola Scriptura, but any argument that presumes a weakness in God’s ability to accomplish the building of his own church on his own terms using his own instrumentalities will find no quarter with me.