Both
One of our common pitfalls is looking for the superhero to come and make sense of all our questions right now. Because we tend to be impatient and faithless, we create idols of strong leaders. My own wrestling with this issue has been much helped by reaffirming first the authority of scripture, and then the aim of scripture..
2 Timothy 3:16: "All Scripture is inspired by God and profitable for teaching, for reproof, for correction, for training in righteousness." As I understand it Inspired was from the Greek word theopnuestos meaning quite literally that Scripture is "God-breathed…. expired…. breathed-out.” In other words Scripture isn’t some great book dependent of men of higher education to explain it to the masses. The Bible is the effusive miracle of an outpouring God who filled selected men with His words, communicated directly, precisely, and successfully in human language with the power to make each of us intimately, and inwardly wise unto salvation.
I realize we probably believe this already, but just in case here is a better expression of this vital idea from B.B.Warfield to help drive the point.
“What is theopnuestos is “God-Breathed” produced by the creative breath of the Almighty. And scripture is called theopnuestos in order to designate it as “God-Breathed, the product of Divine spiration, the creation of that Spirit who is in all spheres of divine activity the executive of the Godhead. The tradional translation of the word by the Latin inspiratus a Deo is no doubt also discredited, if we are to take it at the foot of the letter. It does not express a breathing into the Scriptures by God…what it affirms is that the scriptures owe their origin to an activity of God the Holy Ghost and in the highest and truest sense His creation. It is the foundation of Divine Origin that all the highest attributes of Scripture are built.”
So God is intent on, and quite capable of, speaking personally to us by His Word.
Yet we cannot dispense with being taught from other men. (Letters may be written personally by one hand, but delivered by another...) We need each other. Though in Christ we have put on the New Man with God's incorruptable seed in us, we find much of our inwardness still human and our thought processes still worldy.(I'm not talking about two natures but about immaturity and inexperience.) In Christ we are perhaps capable of being made improved in our understanding, but remain liable to misunderstanding. We are all prone to stumble over our limited comprehension, past experiences, volatile feelings, incorrect knowledge, and lack of sense. I think for this reason, the Lord graces us with one another to help compliment, complete, reprove and sharpen our understanding of the His Word. We engage one another in the Scriptures, some teaching and others learning, but all with a heart of worship and attentiveness to the Holy Spirit. Speak to one another with psalms, hymns and spiritual songs. Sing and make music in your heart to the Lord. I think the sphere of Submit to one another out of reverence for Christ includes doctrinal humility.
So in the end we should all desire to feel the light of God's Word adding understanding to our own hearts directly…the importance of this cannot be overstated. Even so, we are not self-sufficient even in Christ! (Bears repeating...) We may indeed have the sun shining warmly down on our private fields, and the rain softening our own soil, but the fact remains some of us are better at planting and some are better at harvesting. We need help even in our own fields. So we wisely and happily submit to one another scripturally to grow fruit in our own lives.
MC