Thank you for the clarification!
I still don’t think your answer reflects the reality of the Church and the Faith, however, since there is nothing of the Faith that has been believed “always, everywhere, and by all”. Even C.S. Lewis’ “mere Christianity” doesn’t meet that standard. You hint at the problem when you say that the Church has struggled with the Faith; if it was as simple as your view seems to suggest then there would be no struggle at all. There would never be
any Councils called, and there certainly wouldn’t have been votes held at the Councils (yes, there were votes taken at every Ecumenical Council that I’m aware of). On the other hand Papal Infallibility, as understood by the Catholic Church, does not negate the need for Ecumenical Councils and the consulting of the Faithful, nor of a nebulous “consensus” of sorts; they all reflect the special infallibility of the Church Herself, and the expression and flowering of the riches of Apostolic Teaching over time.
The funny thing is that in principle I agree with you, namely in the notion that the Faith is not something found through formal authority. What formal authority does provide, however, is certainty for the Faithful. Christ promised us this certainty, and for the Apostles He even provided that Peter would turn back to the Faith and strengthen the brethren. I bring this up not as a proof text for Papal Infallibility (though I do believe that this is where it is derived from) but to show that Christ did will such certainty for the Apostles, and if for the Apostles then I believe He would will it for us too. If such certainty vanished after the death of Peter then Christ has left us with less than He left for those who knew Him personally and had no reason for confusion.
I simply can’t believe that Christ would do that.
Whether the certainty of the Papacy, or Ecumenical Council, or true consensus, Christ must have left us
something. Of these three things, only the Papacy continues from the time of Christ to the present, so I tend towards that as the promise of certainty.
Peace and God bless!