There's the problem! While it "seems" to conflict with what you think the Bible says, it "seems" to harmonize perfectly with the Bible in the minds of any number of Catholics. Who decides who is right? In Protestantism, at bottom, it is the individual believer. But, as already discussed, their mileage may - and does! - vary considerably. They have no equivalent of the Magisterium to make such determinations. Indeed, that role as final arbiter is possibly the best common-sense support of Catholic Scriptural argument in favor of the role of the Magisterium. Its absence leads, quickly and inevitably, to doctrinal chaos.
Yep, and just as the Catholic Church varies over time. There are no perfect answers, but we all must seek God with all our hearts. If you want to rely on the Church for the answers, that is your call, but that is not what I see the Bible says.
Deuteronomy 4:29
But if from there you seek the LORD your God, you will find him if you look for him with all your heart and with all your soul.
1 Chronicles 28:9
"And you, my son Solomon, acknowledge the God of your father, and serve him with wholehearted devotion and with a willing mind, for the LORD searches every heart and understands every motive behind the thoughts. If you seek him, he will be found by you; but if you forsake him, he will reject you forever.
Hebrews 11:6
And without faith it is impossible to please God, because anyone who comes to him must believe that he exists and that he rewards those who earnestly seek him.