We can make use of whatever free associations our unobservable minds give us. That says nothing about the truth of anything. it says only about the utility of randomly generated meaningful ideas.
So personal philosophy(religion) can be constructed of such nonsense. Because people need to act in a way that they can feel confident in acting or they would be unable to act.
But philosophy as a science: in which we seek decidability between different ideas, and to limit the damage of others ideas is something quite different.
This is what separates personal ‘philosophy’ which is not philosophy per se, but philosophy by analogy…. and political philosophy by which we create ethics, morals, norms, laws, institutions, commons, and war.
This is the difference between what you call philosophy and has nothing to do with truth (decidability) and the science of decidability that is provided by attempts at using truth to decide between one thing and another – especially in matters of conflict.
So as I say: it doesn’t matter how you come up with ideas. Just don’t call it true, don’t call it philosophy, and don’t call it science.
It is what it is: justification for working with personal intuition sot hat you need not depend on others for guidance.