The Sacred Scriptures are not mere “generally reliable accounts”, and although reason does support the validity of them Sacred Scripture is relied upon by an authoritative principle.
The Scriptures have been recognized and believed to be the inspired Word of God in written account.
It’s a pretty lofty claim to make that discerning which writings about Christ God intended to be received and upheld as without ANY error and divine revelation, and is unreliant on Church authority and a task most Christians could conclude on their own, or even with the help of some Church fathers.
The fact is, is that any way you look at it, the Church must make a statement of absolute certainty what constitutes their written account of divine revelation. Then, all who hear that Word can accept it for what the Church has upheld it to be.
P.S. I’m not being argumentative with anything you’ve stated. I just felt like jumping in with these thoughts, and your post seemed as good as any.