That is an extremely dangerous approach. Do you really think you are better versed in נגלה דתורה and/or פנימיות התורה than the Lubavitcher Rebbe?
I don't agree at all!! And I don't think you understand correctly what I'm saying..
I don't think I will ever be better at any part of learning then the latest Rebbe, but if you are going to tell me that anything that someone who you determine is above your level of learning tells you, must be accepted, that seems so much more dangerous.
Take נתן העזתי or נחמיה חיון (להבדיל ביו הטמא והטהור) who received smicha from ר' יעקב חגיז and who many of the greatest gedolim considered to be something of a נביא אמת..ended up bringing about perhaps the greatest catastrophe of the last 500 years. Developing the theology of שבתאות.
That's the importance of mesorah it's not that I know better but you have to assume that others who you rely your mesorah on indeed new better.
Now again, I'm not saying it isnt something that mesorah indeed agrees to, just that upfront it seems different. So you must be very diligent and determine whether this is a novelty based off mesorah or is this a new idea breaking away from mesorah...
Hesitance of accepting something new is generally the safe approach versus the dangerous approach. In worse case, you have the mesorah backing you.