Good observation, as we see this almost to a "T" here. Getting clarity on mormon doctrine is much like nailing jello to the wall. The 'living' prophet is only useful so far - then they throw them under the bus. Furthermore, they have to wade through the clear contradictions within their 'doctrine' (standard works).
Thanks, but I do have to ad this. My experience leads me to believe that the average Mormon congregant believes that Jesus Christ on the cross has provided for his salvation and is no more or less informed about his church's theology than the average mainstream Christian believer.