Seriously!? Seriously incorrect.
He wants us to both believe and understand.
Note His rebuke to Nicodemus in John 3:10
"Are you the teacher of Israel and yet you do not understand these things?'
He opened their understanding.
'Then opened he their understanding, that they might understand the scriptures,' Luke 24:45
Again;
'Now we have received not the spirit of the world, but the Spirit who is from God, that we might understand the things freely given us of God.' 1 Corinthians 2:12
BTW, your 'you don't need to be given the Holy Spirit to believe' is Pelagianism 101.
Unbelievable! I can't believe I'm seeing this on a Baptist forum.
We only believe by His power. Carefully read Ephesians 1:19.