Would you still accept him as pope at the moment he admits he is a heretic?
The church is not a democracy. It is not individualistic. Catholics don’t decide things “on our own” or by way of “personal decisions.”
Your question shows a lack of understanding of how a hierarchical organization works. The closest organization that exists similar to the church would be the military. If some General came out and said he was anti-America, the simple soldier on the ground does not have the authority to a) stop his mission, b) change his daily duties or c) lead an ιnѕυrrєcтισn against the bad general. It’s above his pay-grade. His opinion doesn’t matter. What matters are his superiors and their orders for him.
So to answer your question: whether I (personally) accept pope x as pope matters 0%. Even if pope x claims heresy. It doesn’t change my daily duties as a catholic nor do I have any authority to lead any kind of rebellion.
My duties are to God not a pope. I can educate others on the heresy and tell them to pray for the papacy (in general terms), but the persons responsible for fixing the issue are a) God and b) church officials.