The context of 1 John 1:27 is about someone trying to teach you false doctrine. You don't need any man to be the one who tells you what is truth and rely on what they say. Because you have the Holy Spirit that will lead you and tell you when a man is speaking false doctrine.
26I am writing these things to you about those who are trying to lead you astray.
27As for you, the anointing you received from him remains in you, and you do not need anyone to teach you. But as his anointing teaches you about all things and as that anointing is real, not counterfeit—just as it has taught you, remain in him.
This does not mean that God does not give the gift of teaching by the Holy Spirit or that reading good commentaries from Holy Spirit gifted teachers is not helpful for our own learning and growth. It just means we should rely on the Holy Spirit to show us when someone is missing the mark. And we can reject their teachings as error.
I don't know what that means.
I am not sure if that is a test that we were told to apply when fellowshipping with a local church. I have never had such a thought in 40 years. I am not sure where you got it from the scriptures. But now that you brought it up.. Yes! All of the churches I have attended in 40 years would have been there for my family to see them through the crisis. The churches I attended, most of the families believed in homeschooling and we always were so close to several families they would have been there to adopt my son if needed.
The only way you could have such close relationships with people to expect that sort of thing would be to stay involved in a church serving and being that kind of person yourself. After years you would have developed such close relationships. There is no way one can visit a church and imagine whether this is the kind of church they could depend on for such a thing. It is not the church as an institution that would do it, it is the close relationship you would establish over time that would do it. Yes the church might help with funeral costs but adopting your children would come from those you have given permission to do so and become close to.
Your example reeks of fault finding, judging on outward appearance and an unhealthy view of local fellowships. I am not trying to argue with you but the lack of revelation concerning the importance of the local fellowship is glaring in your comments. The idea that one can get along fine without them, "just me and Jesus" concept is false teaching and anti New Testament and anti Christ. He who denies the body denies the head.