This is absolutely correct. THIS is where private judgement has a legitimate role, in examining the motives of credibility.
“Private judgement” is necessary in all aspects of life and faith. In reality, hierarchical ecclesiastical authority is limited to determining what constitutes the articles of faith, what is opposed to the aforementioned, protecting the Church from pernicious matters opposed to the faith, and by creating temporal-spiritual disciplines to safeguard the Church and the faithful in all aspects of life as it relates to faith and morals.
Everything else is “private judgement.”
-Knowing that the Catholic Church is the one true Church.
-Knowing that the articles of faith have historic apostolic continuity.
-Knowing that a man at a given time is Pope.
-Knowing that the Pope really said X.
-Knowing how to understand and interpret a Papal or Church statement on any matter.
All of this requires the mind and these matters are only as certain as the mind of the person understanding them. There is an objective reality and it is
only through intellect that we can know what it is and its certainty is dependent on the mind that reached it.