@ yoink
"Your post reflected an affinity for Luther and the New Testament"
Luther posited that the Catholic Church was hopelessly corrupt, which during his time was an accurate statement. The Catholic Church was and continues to be the most organized Christian denomination. I believe that, in the case of organized religion, that level of organization is directly correlated with corruption of both God's message and the resources of contributing believers. My affinity for Luther is based solely on the fact that he was willing to stand up and say that the human-run Church was corrupt because it was spending too much money on itself, among other reasons (such as elaborate ceremonies that did nothing to further a churchgoer's relationship with God and preaching/teaching/Bible-writing in a language that common people could not understand)
My affinity for the New Testament is derived from my belief that it is the most pertinent part of the Bible as far as a Christian should be concerned. By definition, the main focus of Christianity is following the teachings of Jesus. To that end, we should devote the bulk of our energy to studying His earthly life/teachings in the New Testament (and other primary sources, if possible). The Old Testament remains relevant as historical context, but given a block of time in which I can devote to reading the Bible, I should allocate most of that time to reading the New Testament.
"[H]ow do you reconcile your personal faith with the New Testament picture of community?"
You are correct in that the New Testament depicts a picture of community, but I believe that a line is crossed when the Church begins spending resources on its own upkeep. Those resources should be redirected to the poor. As for Jesus' implicit/explicit instructions to form a community of faith, I don't believe he was talking about multimillion dollar megachurches.
Jesus never really preached from the inside of a temple (the megachurch of His era). Actually, the only time He ever went to a temple was to either argue with the Pharisees or to yell at people and flip a bunch of tables over (See: Jesus clears the temple). Jesus usually preached from wherever followers appeared, which was usually outdoors.
To that end, a very loose/fluid network of believers meeting on an ad-hoc basis (exactly how Jesus' original followers met) would be ideal for my beliefs. Also, I take issue with the idea that verbal/musical worship is necessary. Songs are great but they don't feed the poor or build houses for the homeless. I believe that Jesus would rather see us building houses and feeding poor people than sitting in a church and singing about how great Jesus is. Love for fellow men is the best form of worship there is.