[TLFisher]

Before I'm able to reply to any posts on this thread, I'll just say there are examples of localities that have divided over the issue of ministry. Whether it was not taking Witness Lee's ministry or over the issue of not going along with Titus Chu's quarantine.
Local assemblies can agree on the doctrine of locality, but whether to take this brother's ministry or that brother's ministry, or just to take no ministry at all and just be a Bible teaching assembly divides brothers and sisters.
I've seen it in different places. You can live in central Washington where there is no local church. Options are either 1. Meet at home by yourselves. 2. Drive to the nearest locality 45-60 minutes away. 3 Find a non-LSM affiliated church in the town you live in to fellowship with.
If you live somewhere more remote such as the island of Maui. The nearest LSM-affiliated church would be in Honolulu which would require a flight. Sure there is a non-LSM affiliated church in Kihei, but that's not an option for ones who will only restrict Christian fellowship according to LSM publications. Thus the only recourse is to meet in the home. True story.