The only problem with your interpretation is that Paul clearly said that tongues, prophecy, and "knowledge" would cease after the Bible was completed. So that would be out of the question.
I wish you would take more care when asserting what the Bible says. Someone might be deceived into believing your statement. Paul does not say this. He says that when that which is perfect is come, that which is in part shall be done away... in an epistle that says nothing about the completing of the canon, but which mentions the resurrection of believers and the return of Christ.
We should take I Corinthians 13 in line with other passage such as this one.
I Corinthians 1
4 I thank my God always on your behalf, for the grace of God which is given you by Jesus Christ;
5 That in every thing ye are enriched by him, in all utterance, and in all knowledge;
6 Even as the testimony of Christ was confirmed in you:
7 So that ye come behind in no gift; waiting for the coming of our Lord Jesus Christ:
8 Who shall also confirm you unto the end, that ye may be blameless in the day of our Lord Jesus Christ.
Not coming behind in spiritual gits waiting for Jesus to come back. Notice the word translated 'end' in verse 8, shows up again in chapter 15 (in a grammatically inflected form).
I Corinthians 15
22 For as in Adam all die, even so in Christ shall all be made alive.
23 But every man in his own order: Christ the firstfruits; afterward they that are Christ's at his coming.
24 Then cometh the end, when he shall have delivered up the kingdom to God, even the Father; when he shall have put down all rule and all authority and power.
Compare verse 24 to chapter 1 verse 8.
The idea that the perfect comes at the return of Christ or Christ delivering up the kingdom to God, makes sense. There is nothing in the epistle that hints at the completion of the canon.
At the same time, you have missed this: And he gave some, apostles; and some, prophets; and some, evangelists; and some, pastors and teachers; For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ: Eph 4:11,12)...
I am aware of the passage. How does that detract from what I wrote?
Also this: Or ministry, let us wait on our ministering: or he that teacheth, on teaching; Or he that exhorteth, on exhortation: he that giveth, let him do it with simplicity; he that ruleth, with diligence; he that sheweth mercy, with cheerfulness....
I referenced that passage.
And this: As every man hath received the gift, even so minister the same one to another, as good stewards of the manifold grace of God. If any man speak, let him speak as the oracles of God; if any man minister, let him do it as of the ability which God giveth: that God in all things may be glorified through Jesus Christ, to whom be praise and dominion for ever and ever. Amen.
I am aware of this passage and it further aligns with what I wrote.
I agree with your basic premise. There must be a plurality of elders in each church (with various gifts) , with no one above anyone else.
There should be elders if men have matured to fill the role. Paula nd Barnabas left churches withoit elders for a time after they were first formed. This may be an issue on missions fields.
Not only should there be singing and prayers, but several MEN (Paul says two or three and that would be about right) should minister the Word according to the spiritual gift (s) they have received.
If you believe prophecy has ceased, why would you apply 'let the prophets speak two or three and let the other judge' to other gifts?