Well, I like your explanation in regards to personal responsibility but isn’t there a danger that pride or a total reliance in one self will lead a person astray. Do you only find Truth in your own opinion? Is Sola Scriptura the reason for so many Protestant denominations?
There is always a danger of incorrect interpretation for any number of reasons. That applies equally to Pope, Pastor and Priest as well. Follow yourself or follow another but if you are not following Jesus, you risk your salvation.
I am also of the opinion that the Holy Spirit will guide those who are seeking to what they need to see, hear, and understand. The revelations come as the individual is ready. Some who are still caught up in their sins, may not be at the point in their walk that they can yet give up that sin. Gently, the Holy Spirit applies pressure and when the sinner yields that part of their self to the will of God, they become more Christ like which we are called to do.
Traditions are a construct of man, for man AND HAVE CHANGED OVER TIME. For example, indulgences. Scripture is unchanging. The 27 books of the New Testament have been agreed upon by the whole of Christendom since mid 300’s AD. And the Dead Sea Scrolls show that the Old Testament remains doctrinally identical, and even textually nearly identical (spelling and punctuation changes). These scripts are from the time before Christ but are consistent with the Hebrew Cannon recognized today.