What does Chapter 32 say about the importance of a Guru compared to studying scriptures?

Chapter 32 strongly emphasizes the necessity of a Guru's grace over mere scriptural knowledge. The text explicitly states that even if one has studied the Vedas, Vedangas, and other Shastras, it is all considered 'mere chaff' without the grace of a Guru. According to the narration in Chapter 32, there can be no true knowledge without this divine grace. It further suggests that listening to the words from Sai Baba's own mouth has a profound effect, enabling a devotee to see their own Guru and destroying sins and afflictions, much like the sight of the Ganga or the moon.