And had the Holy Spirit simply "dictated" the Gospel to one of the Apostles, there would only need to be ONE.
The fundamentalist idea of a "dictated" Scripture portrays the authors as mere zombies for the Holy Spirit, and not individuals of differing backgrounds, experience, and talents, who were His vessels. Difference being, the characteristics of a zombie are of no use to his master. He is a shell - a pointless prop for, in this case, the Holy Spirit, Who can do all things without our input anyway.
But the Catholic understanding of the Holy Spirit's dictation of Scripture is that He engaged every part of their being and FILLED them (inspired them) with that which would be His exact Word to be set down as the New Testament. He spoke THROUGH their talent, THROUGH their personal histories, THROUGH their ability to receive testimony and pack it into a concise recapitulation of Christ's mission. And isn't this the way in which Christ reaches all of us...THROUGH the Sacraments, THROUGH Scripture, THROUGH our rich Sacred Tradition? Didn't the Father reveal Himself THROUGH the Son? Didn't the Son become incarnate THROUGH the Blessed Virgin? Didn't the Holy Spirit reveal His inspired works THROUGH the Catholic Church?
None of this "me and a direct line to God" theology bears any resemblance to God's operative history. A lot of people think heaven will be experienced in an isolation tank, with a Beatific Vision that relates to what THEY believe it should comprise. And that's a grave error...