That was a really nice post to read. The question is not are we able to find the truth on our own; we know that we can't because the Bible says we can't. We read in John chapter 6:
[43] Jesus therefore answered, and said to them: Murmur not among yourselves.
[44] No man can come to me, except the Father, who hath sent me,
draw him; and I will raise him up in the last day.
[45] It is written in the prophets: And they shall all be taught of God. Every one that hath heard of the Father, and hath learned, cometh to me.
The three theological virtues are Faith, Hope, and Charity. They come from God alone, by grace alone.
They are quickened in Baptism, as it says in John 3:5
5 Jesus answered: Amen, amen I say to thee, unless a man be born again of water and the Holy Ghost, he cannot enter into the kingdom of God.
and Paul reinforces in Titus 3:5
[5] Not by the works of justice, which we have done, but according to his mercy, he saved us, by the laver of regeneration, and renovation of the Holy Ghost;
and as Jesus says in Mark 16
[16] He that believeth and is baptized, shall be saved: but he that believeth not shall be condemned.
The remaining four Cardinal virtues (cardinal meaning hinge on which the others turn), of Fortitude, Justice, Prudence and Temperance, are obtained by human effort cooperating with God's grace. We obtain these virtues by preparing ourselves in four ways. Distrust of self, Confidence in God, right use of the faculties of mind and body, and the duty of prayer. This is explained by Dom Lorenzo Scupoli in the book The Spiritual combat.
The last part of your post is a bit troublesome; we can find the truth directly outside the purview of men? I do not believe that is Biblically correct. We don't all pick up the Bible on our own and come to the truth individually; we have teachers. Those that have gone before us as it says in Ephesians:
11 And he gave some, apostles; and some, prophets; and some, evangelists; and some, pastors and teachers;
12 For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ:
13 Till we all come in the unity of the faith, and of the knowledge of the Son of God, unto a perfect man, unto the measure of the stature of the fulness of Christ:
14 That we henceforth be no more children, tossed to and fro, and carried about with every wind of doctrine, by the sleight of men, and cunning craftiness, whereby they lie in wait to deceive;
15 But speaking the truth in love, may grow up into him in all things, which is the head, even Christ:
16 From whom the whole body fitly joined together and compacted by that which every joint supplieth, according to the effectual working in the measure of every part, maketh increase of the body unto the edifying of itself in love.
We, as men, require other men to help us in our quest for Christian truth. That is not in doubt, the question is which men do you believe, and what standard do you use to measure their teaching?
The Bible tells us that there are those that use the argument of sola scriptura in a way that is in error. We read in 2 Peter 3:
.
[15] And account the longsuffering of our Lord, salvation; as also our most dear brother Paul, according to the wisdom given him, hath written to you:
[16] As also in all his epistles, speaking in them of these things; in which are certain things hard to be understood, which the unlearned and unstable wrest, as they do also the other scriptures, to their own destruction.
[17] You therefore, brethren, knowing these things before, take heed, lest being led aside by the error of the unwise, you fall from your own steadfastness.
[18] But grow in grace, and in the knowledge of our Lord and Saviour Jesus Christ. To him be glory both now and unto the day of eternity. Amen.