Prophetic words can even be misleading which is why it must always be tested, as well. But I guess I need insight because I can't really see the whole picture.
What strikes me here -- instead of asking for wisdom and knowledge, you are asking for inspired insight from strangers who know the same God you do. It is like asking a plumber to do a carpenter's work. Needing a car repair but instead asking for a snow brush. It is true that God can deliver an answer, but maybe what He wants out of the situation is for you to discover wisdom and knowledge.
I don't know your situation, but it sounds like you need concrete, solid guidance that will help you make an informed decision. It is not unspiritual to research and ask questions. Or to let a counselor review the situation and give you perspective. Maybe you even need lawyers, accountants, or medical input. Are there people already in your life who can give you a more informed perspective on your situation?
Ecclesiastes 7:12
Wisdom is a shelter as money is a shelter, but the advantage of knowledge
is this: that wisdom preserves the life of its possessor.
Proverbs 8:35
Now then, my sons, listen to me; blessed are those who keep my ways. Listen to my instruction and be wise; do not ignore it. Blessed is the man who listens to me, watching daily at my doors, waiting at my doorway. For whoever finds me finds life and receives favor from the Lord.
Psalm 119:24
Your statutes are my delight; they are my counselors.
Proverbs 11:14
Where there is no guidance, a people falls, but in an
abundance of counselors there is safety.
These verses all promote a sensible, informed approach to decision-making. There
are people who are prophetic who do not just jump out with popcorn eurekas, but kindly take the time to hear about a situation and bring insight to it. Information does not steal from the impact of God's revelation. He is the author of knowledge and wisdom.
Jesus and the New Testament writers ask us to do all things in love. To use the gifts with love in mind. Is it more loving to sit down and talk with someone, sharing experiences and what God has put on their mind... or to throw magical solutions out for people to catch and take home. I strongly believe that God speaks through people prophetically, but we are responsible for how we carry these gifts and deliver them to others.
As you say, it is difficult to know whom to trust, and who is speaking out pure prophecy.
I apologize for turning your request for help into a philosophical conversation, but I have seen many times when God was silent, and our methods were off -- the approach was our assumed best approach. God works on our character, the way we treat others, the way we present the gospel... not just the direct solutions to the single problem.
I know most of the people on this thread well enough to say they could give you wonderful advice if you PM'd them. Most are also supportive of the prophetic, so you might get double help.