The Holy Spirit gives you the mind of Christ...associating ones self with fellow worshippers assures that one doesn’t go off track. We remain flesh as well as Spirit and subject to sin or at least temptations.
As for what you are describing...seeing how far off track Roman Catholicism has gotten...can it really call itself a Church of Peter the Rock? Just reading the Epistle of Peter and comparing it to the Roman Church tells you how far off track it has gotten!
A true Christian will never deny that Christ is God in the Flesh, nor deny the virgin birth, nor the cross nor the resurrection. The blood of Christ washed away our sins and its spillage made atonement for our sins; a Christian will never deny that. A true Christian will love God with all that he has and will love his neighbor as himself. That is the core of Christianity and a individual’s “self-awareness- of self” being regenerated by the Spirit is that core place in each of us that “guards the heart”. We all have weaknesses which is why we must associate with like believers. Yet at times when we are left alone or are out of our fellows’ observance, those are the times we understand our own crosses we bear. It is in that sense we each of us our own popes guarding our own souls.
God will judge each of us separately...not collectively. There is no such thing as a collective salvation, we are each individuals and our spiritual needs are specific to each of us. Christ is the cure for all of us, an analogy of which was Moses lifting up the serpent on a rod so that those who were bitten of serpents would look upon it and not die of their wounds!
Your list of assertions is misleading and naive, not to mention an inaccurate conclusion about Catholicism.
If your statements about the Holy Spirit leading you were true, you wouldn’t have all of the variations of Protestantism.
TRUTH is not different, just because they’re united against Catholicism.