Gaz
Of coarse God speaks directly to individuals. If he didn't, then no one could exercise their faith enough to have a testimony of anything. The Holy Ghost is God.
I would agree with that.
But what does God say? Is he not going to tell someone to be baptised and take upon themselves the name of Christ?
Already did it.
And if someone is to be baptised then they need to have the ordinance performed by an authorised servant of the Lord.
Where is that stated in the Bible?
Also if God is speaking to his authorised servants, than scripture is going to continue to come forth,
When God speaks to you via the Holy Spirit (Ghost) do you produce scripture?
Angels are going to visit the earth,
What does angelic visitation have to do with God speaking? (you're veering off the road there)
Temples will be built,
Temples were built in ancient times as they are today. Are you saying that God has to speak in order for that to happen? Did God speak to Pagans prior to their constructing Temples?
and prophets and apostles will be present as they were in times past
Why? Why isn't John 14 and the promise of the indwelling of the Holy Spirit enough for you when the promise of it was apparently enough for Jesus Christ prior to his leaving this earth?
Gods authority and covenants will be made available to his people.
Already done.