Charles, I think you have made a good post that shows reflection and moderation, but I can't agree with Paul that you nailed it. It seems that, carried to its logical conclusion, the standard becomes going to seminary, or at least wanting to go to seminary if one was able to, could afford it, etc. Unfortunately, that leaves out the one who chooses not to go in order to pursue their studies in a different manner. There are other reasons that persons may choose not to go to seminary, which may have nothing to do with the fact that they are lazy, are afraid to have their views challenged, or that they think no one there can teach them anything.