In principle I agree, but it seems like in practice most religious people form their own philosophical framework like everyone else (mostly influenced by family

In principle I agree, but it seems like in practice most religious people form their own philosophical framework like everyone else (mostly influenced by family/community and upbringing) and adjust their religious interpretation to match. For me it feels like authoritarianism vs. democracy - in theory an authoritarian provides quick certain decisions where a democracy might be slow and messy and unequivocal, but in practice an authoritarian government is just a democracy that makes voting very difficult. If you make decisions enough people disagree with you'll be removed, just like in a democracy. Similarly, religious dogma has to be regularly updated to avoid losing followers, and the enormous variety of religions and denominations and sects and interpretations means that in practice religion is just another form of personal philosophy that is more cumbersome to change when you lose your certainty.