The current crisis is a mystery which we are not held accountable for solving it.
Well stated. We have to be careful, of course, not to fall into various principled errors regarding the faith while defending our position.
So, for instance, R&R has come dangerously close to creating a non-Catholic view of the Magisterium whereby individual Catholics can just take or leave teachings of the merely-authentic ordinary Magisterium based on their private judgment. Traditionally, Catholics gave religious assent to such and always gave benefit of the doubt to the Magisterium. Is this the attitude we have towards the "Magisterium" of Francis? No, in fact, we're pretty much assuming that it's all to be taken with a monumental grain of salt. That's not a Catholic attitude towards the Magisterium. Also, you mentioned the problems with indefectibility. R&R comes dangerously close to promoting a very defectible Church, defectible not only in her Universal Magisterium but also Universal Discipline. Can't buy any of that as a Catholic.
SVism on the other hand seems to empower individuals to reject the authority behind the Magisterium based on that same private judgment. Grandmothers sitting in the pew can now, at any given time, reject a Pope as illegitimate if they find something in their Magisterium that they consider gravely erroneous. [In knew an uneducated ignorant SV who at one point claimed that Pius IX was illegitimate due to some "heresy" he had detected in an encyclical. This was a turning point in my life against SVism.] Then there's the very real problem of ecclesia-vacantism.
So the former is what +Sanborn called "Magisterium Sifting". Yet SVs empower people to engage in "Pope Sifting".
So both are rife with difficulties.
As for my attitude. I refuse to accept any of those non-Catholic principles ... I won't compromise my faith and my belief in the indefectibility of the Magisterium and Church's Universal discipline and jurisdiction/hierarchy. As for the actual solution, I consider it, as you say, a mystery that I am neither capable of solving nor have the authority to solve. I'm in a state of suspended judgment ... my so-called "sede-doubtism" position on the matter ... which many here have mocked. Yet I consider it the most Catholic of all the positions. I submit that this is in fact the true position of +Lefebvre if you closely examine all his writings.