@Dave-L
I actually agree with much of what you are saying. However, I believe you are missing something...
Please bear with me for a few posts, and I will try to help you see
exactly what that something is.
Go read this web page:
http://mywebsite.us/ABA/Topics/Local_New_Testament_Church.html
Then, come back and tell me (be honest) that you clearly understand the simple-but-certain difference(s) between the 'spiritual' church, the 'universal' church, and the 'local' church.
Then - I want to ask you a question.