What is Chapter 12's perspective on faith versus intellectual knowledge and pride?

Chapter 12 presents a strong argument favoring faith over intellectual pride. It warns against those who are well-versed in scriptures but are intoxicated with the pride of their knowledge, stating that they obstruct the path of devotion and their end does not seem good. The text explicitly says to avoid the company of those with "dry pride" who disparage devotion. In contrast, it states that even an ignorant person can cross the crisis of worldly existence through the power of firm faith. The chapter concludes that placing faith at the feet of saints is what destroys ignorance, implying that true progress comes from devotion, not from the "stiffness of dry knowledge."