I've heard knowledge is important, but Chapter 12 seems to really warn against it. What is the chapter's perspective on scholarly knowledge versus simple faith?

Chapter 12 of the Sai Satcharitra strongly prioritizes firm faith over intellectual pride or "dry knowledge." The text cautions against associating with those who, puffed up with the pride of their learning, disparage the path of devotion. It goes so far as to say that even scholars well-versed in the Vedas who obstruct devotion will not meet a good end. In contrast, the chapter teaches that an ignorant person, by the sheer power of faith, can successfully cross the terrifying ocean of worldly existence. It concludes that placing faith at the feet of a saint is what truly destroys ignorance, whereas the "stiffness of dry knowledge is fruitless."