I think it is possible to make room for both possibilities.
If one is in sin, the Holy Spirit is much harder to hear. I have been in churches where the leadership was in total sin, and they spent the bulk of their time trying to force their brand of repentence on the rest of their flock while avoiding it for themselves. (Hypocrisy is not acceptable to our Lord!)
That’s because they believe “Once saved, always Saved”
However, without guidance from the Lord (either direct revelation, or through the Bible, or instruction from priests/preachers), it’s very difficult to determine “the Truth” for oneself. Which is why I prefer to be under the authority of the Church, and to double-check my determinations against the doctrines of Christendom, as found in the Bible.
The Catholic Church teaches that private revelation is just that. Unfortunately many of our separated brothers and sisters believe they need to impose their private revelation on others, therefore, they keep splitting off and starting their own churches, especially non-denominationals.
With the above in mind, I confess to my parish priest because I’m utterly aware of how deceitful the mind is and how quickly one can lead oneself astray.
You confess your sins to a priest? I thought you were not Catholic (ref earlier page in this thread.