However, I certainly agree with you that any prophesy or revelation of the Holy Spirit will never contradict the written Scriptures and that is the Berean test:
And ye have not his word abiding in you: for whom he hath sent, him ye believe not.
Search the scriptures; for in them ye think ye have eternal life: and they are they which testify of me. John 5:37-39
But thou, O Daniel, shut up the words, and seal the book, [even] to the time of the end: many shall run to and fro, and knowledge shall be increased. Daniel 12:4
This is the disciple which testifieth of these things, and wrote these things: and we know that his testimony is true. And there are also many other things which Jesus did, the which, if they should be written every one, I suppose that even the world itself could not contain the books that should be written. Amen. John 21:24-25
For now we see through a glass, darkly; but then face to face: now I know in part; but then shall I know even as also I am known. 1 Corinthians 13:12
For what man knoweth the things of a man, save the spirit of man which is in him? even so the things of God knoweth no man, but the Spirit of God. Now we have received, not the spirit of the world, but the spirit which is of God; that we might know the things that are freely given to us of God. Which things also we speak, not in the words which man's wisdom teacheth, but which the Holy Ghost teacheth; comparing spiritual things with spiritual.
But the natural man receiveth not the things of the Spirit of God: for they are foolishness unto him: neither can he know [them], because they are spiritually discerned. But he that is spiritual judgeth all things, yet he himself is judged of no man.
For who hath known the mind of the Lord, that he may instruct him? But we have the mind of Christ. 1 Corinthians 2:9-16
...the reason for this goes back to Jesus explanation above (John 5) --- which is to say, we must rely on the indwelling Holy Spirit for understanding, because the natural man cannot receive it...
So true! Our intellectual understanding of the Word is so inadequate! It is necessary to understand the word from the aspect of natural, or normal understanding, but this should only be a "launching pad" for further, deeper understanding of the Word of God.
You can tell when someone, even a very experienced Chrisitan, has a mosty intellectual vs. spiritual understanding of the Word. The spiritual understanding does not mean intellectual understanding is no longer necessary, rather spiritual (really Holy Spirit guided understanding) builds on that intellectual understanding, and goes beyond it, without ever contradicting it.
However, that does not give us licensce to connoct meanings and interpretations that are nothing more than speculations dressed up as spiritual revelation. I see this sort of stunt pulled all too often amongst my friends and brothers in the LORD. It's as if the plain meaning of scripture isn't adequate, and they feel this bizzare need to go beyond what is written. I see that sort of thing on a nearly everyday basis.
Another error I see too often is taking obvious allegorical and metaphorical pasages as literal, and taking literal passages as being allegorical and metaphorical. There are times where this is a valuable thing to do, but there are very distinct boundaries concerning how far we can go with this.
For instance, there is no problem with taking the life of Joseph, as described in the book of Genesis, and seeing his life as a type of Christ. As a matter of fact, one could go so far as say it was intended to be a type for Jesus. However, if one takes the story of Joseph and it makes it into an allegory in support of capitalism (or even communism!), that would be going beyond the bounds of good interpretation, because the intent of the Joseph narrative is to help us understand the mind and plans of God, not indoctrinate us into policital, ecomonic ideologies.