I'd like anybody to reply with their opinions
This is my justification for this off topic post, but the thread is either off topic, anyway, or it's such a general topic that this fits into it, too.
I'd like to try to answer Pogo's questions with some very old answers, as I think the very early Christians would have answered them, and as I would now.
Is the bible literal or figurative?
Depends on what God says by his Spirit.
If literal, then science must be ignored and abandoned due to such conflicting accounts, such as the global flood, 6 day creation, special creation (humans), etc.
Right. One, science has proven it's not literal; two, the people who think it's literal have terrible fruit ("You shall know a prophet by his fruit"); and three, we've never had to address its literalness in any practical way, so we wouldn't know ourselves outside of the help of points one and two.
God rarely speaks about any Biblical subject until there's some practical purpose for doing so, as he tends to be much more concerned about action than talk.
If figurative, then why the rules and regulations governing religion? Isn't it by faith that one is saved? Oops, that's literal..
"Knowing this, that the law is not made for a righteous man, but for the lawless and disobedient..." (1 Tim 1:9).
Rules and regulations are for those of us who are not in tune enough with God to do his will all the time. Where we are, they do not apply. Where we aren't, we obtain help wherever we can.
If both, then who decides which verse(s) are literal and which are figurative?
The Holy Spirit, as judged by the church.
In the end, the faith of Christ and his apostles was supposed to be a spiritual faith, not one obtained from a book. "As many as are led by the Spirit, these are the sons of God." "The anointing remains with you (plural, y'all), and you know all things...The anointing which you have received from him remains in you, and you do not need any man to teach you."
The writings of our faith, some of which have been gathered into a book called by moderns "The Holy Bible," are a tool and an aid to us. They are not the rule of life. That is given to us by the Spirit of God as we learn from God *together*.