According to Baba
Understanding has no meaning. Love has meaning. Obedience has more meaning. Holding Daman has most meaning.
(Everything & Nothing p-64)
Intellectual giants are pygmies before the true lovers of God. Also, you must bear in mind that mere intellectual understanding has very little value by itself, whether one understands the details of the Path or not, it is just the same. Only love counts.
Spiritual understanding is born of the harmony between mind and heart.-Meher Baba
The gift of understanding
The gift of understanding is more precious than any other attribute of Love — be it expressed in service or sacrifice.
Love can be blind, selfish, greedy, ignorant, but love with understanding can be none of these things. It is the Divine fruit of Pure Love, the rare fruit or flower of the Universe. It has been called "The Sweetest Flower in the entire world!" Age cannot wither it. It grows lovelier as it casts off its outer garment, disclosing its unseen beauty within.
(The Ocean of Love, p. 85, Delia Deleon 1991)
Three level of understanding
It is impossible to reach spiritual truth and realisation by talks, argument or reading by books.
Intellect is the lowest form of understanding and it is developed by reading, listening, reasoning and logic. These processes create illusion of the real knowledge.
The higher form of understanding is “Permanent illumination” through which one experiences and sees the thing as they are. In this state one feels in harmony with everyone and everything and realises Divinity in every phase of life, and one is able to impart happiness to others. And although performing efficiently and intelligently all duty and material affairs, one feel mentally detached from the world. This is true renunciation.
The last and highest state of understanding results from merging the soul into limitless Ocean of Infinite Knowledge, bliss and power. One who himself does this can enable thousands to attain perfection.