This is not a difference between us, arrogance is. Of course I make my own decisions of what is or is not Christian and scriptural all the time and very rarely do I consult the authority. But (1) I have Catholicism well internalized, so I am unlikely to stray from it, and (2) if my Church tells me that my interpretation is wrong I will obey the Church right away and will work to understand why the Church is right and I was wrong; I will nor arrogate to myself the power to interpret Christianity my way. For example, I used to think that Mary did not keep her virginity but rather had physical relations with Joseph, because I was never taught otherwise (I was very poorly catechized) and I realized that it would not have been sinful for her to do so. Then I learned that the Church teaches perpetual virginity. Once I satisfied myself that it was in fact the dogmatic teaching and not just a pious opinion, I stopped arguing against it and set out to understand why. As you can see, now I can argue for perpetual virginity both scripturally and theologically. This is how my religious formation was made more nearly complete, just like St. Paul wrote in 2 Timothy.
Sola Scriptura includes oral teaching.
It is the reverse: historically, the oral teaching preceded Sola Scriptura by about 400 years, and given the limited literacy of the laity, by additional 1000 years or so. Of course no one blames you for teaching orally now when for whatever reason the scripture is unaccessible, but that is just neither here or there, -- except it again illustrates that what is necessary for evangelization is knowledgeable teachers, and not written scripture.
No, Sola Scriptura is not the Bible itself, it is a teaching about the Bible that is supported by scripture. Oral teaching is consistent with Sola Scriptura to the extent that the oral teaching mirrors what the Bible says. Once extra-scriptural teaching is added, then Sola Scriptura is violated. ... What is necessary for evangelizing is knowledgeable teachers who teach only what is scriptural.