Yes, every believer has the Holy Spirit and the HS works with them in their walk and growth in the Lord. Still, we have to do the work. We read and we study and yes, we ought to read the ideas of theologians.
There really isn't a "simple reading of the text" because we don't even have the original language and cultural background working to our advantage. We read a word and say, "ah ha! The Bible says this!" But is it that simple? I say no. So when I read the Bible, I come away with lots of questions to explore rather than a theology or doctrine to practice.
I remember reading this book:
https://www.christianbook.com/bruchko-bruce-olson/9781591859932/pd/59939
It's a great book to read but there was one example that stand out. Unfortunately I can't remember exactly the word problem Bruce Olson faced but I found this on Wikipedia. It illustrates the point I'm making exactly.
You are a young missionary and want to explain what it means to have faith. But there's no word for faith in the native's language. There's no concept for that. What word will you use? Bruce Olson used the word for hammock. Hammock = faith. And how about the Bible = a Banana Stalk!
Here's the highlight from the quote below: ""Bruchko, I've tied my hammock strings into Jesus. Now I speak a new language." For the Barí, "language" is equivalent to life. Bobarishora spoke of having a new life, suspended in Jesus."
https://en.wikipedia.org/wiki/Bruce_Olson
Imagine if we went about the world spreading the Good News and telling people they needed to tie their hammocks to Jesus. The Bari wold get it but not likely many others would get the connection. We all read the Bible in a language in which it was not written. We try to understand it from our own culture (which as the above story shows, can work) but I think in many cases, we read too much of our own culture into the text and neglect the culture from which it came!
Reading this book caused me to ask if the ideas in the biblical autographs are accurately conveyed through our language and the words chosen by the translators. I rather like the idea of tying my hammock strings to Jesus. But it would be meaningless in the English Bible while it perfectly captures the Gospel in the Bari language. That's because it corresponds to the Original's intent. ;)
IMHO