Again, I seem to have great inadequacy of explaining the point sufficiently to bring any sort of clarity of understanding . . . my fault.
But there's no hint of the point being understood on the other side . . . so far.
You are correct that we are talking past each other. However, I am generally familiar with the charismatic Protestant theology and know the perspective you are coming from. It is the intense personal experience of God, desire to cut out any transmission belt you did not build yourself, dislike of authority, and a heavy dose of anti-Catholic propaganda.
Parts of the Catholic tradition connect to this, especially Catholic mysticism. I don't need to tell you how fraught with danger this road is, if taken without the spiritual instruction of the Church. Here is a piece of advice, however, that you might actually follow: read the scripture slowly and read all of it. The Protestants skip from prooftext to prooftext; for every passage that runs counter to protestantism (like most glaringly James 2 or Matthew 16, or Matthew 25 or John 6) there is a ready spin to dismiss it. The spin is not the scripture. Read the scripture, tune out spin. Read Pauline epistles not just for faith-alone slogans, but to the end. You may not become Catholic as a result, but your fundamental theology will be.