For the 94th time now, a true formal heretic is someone who pertinaciously rejects the RULE OF FAITH.
If I think (mistakenly) that the Church has taught PROPOSITION X, I am a formal heretic if I reject X ... even if the rejection of X is not materially heretical (since the Church never actually taught it). That's like being guilty of mortal sin for stealing if I take $1,000 that I THINK belongs to someone else ... even if it turns out that it was mine. Materially not a theft, but formally a theft.
If I think (mistakenly) that the Church has NOT taught PROPOSITION Y, I am not a formal heretic for rejecting PROPOSITION Y.
What's key is whether I am implicitly rejecting the very RULE OF FAITH behind all the dogmas.
But this does not register to your brain.
This is not a discussion of the subjective morality of heresy but its objective qualities. You act as if heresy does not have a definition. The Catholic Encyclopedia defines heresy by quoting St. Thomas who says that heresy is “a species of infidelity in men who, having professed the faith of Christ, corrupt its dogmas.”
Canon laws defines heresy as: "The offense of one who, having been baptized and retaining the name of Christian, pertinaciously denies or doubts any of the truths that one is under obligation of divine and Catholic faith to believe
(cf. Codex iuris canonici
[Rome 1918; repr. Graz 1955]c. 751)." “Truths that one is under obligation of divine and Catholic faith to believe” are called DOGMAS.
A heretic fails to keep Dogma as his rule of faith. This definition necessarily means that those who keep Dogma as their rule of faith are not heretics.
What you are conflating is the definition of heresy and apostasy. The denial of the Dogma that the Magisterium is a revealed truth of God, is therefore denial of all revealed truth, which makes the person an apostate. There is a difference between heresy and apostasy but that is not convenient for you.
You never seek clarity but glory of Ladislaus.
You have no pope, no magisterium, no rule of faith, and the church you belong to will never have these necessary attributes of the Catholic Church. So when you get to where you are going, do not say that you were not warned.