It's about your consciousness. Every idea or concept.
There are things we all can agree that "is" and there are things that just 'seem' or believe but not all agree or have different beliefs. Because it's personal, call it the uniqueness of the soul, fingerprint etc.
Others speculation means nothing, it's how you perceive of the concept and what it means to you.
It's not that others' speculation means nothing. If we're talking about something, we obviously have at least that in common.
And as I said earlier, we haven't invented our problems, but have picked them up in some form in society, and then, perhaps, put a personal spin on them.
My understanding of extreme skepticism, for example, is hardly my own invention. What's mine about it is only that my sources for reading up on skepticism are not all the same as yours.
But an important point that I think you are getting at is this:
A person can solve a problem only as it exists for themselves.
This can either be done immediately with whatever cognitive and other tools are currently at one's disposal.
But sometimes, especially with more intricate problems (such as extreme skepticism, solipsism, ...) it is necessary to read up on what others have said about them. Because one's own current definition of a problem might be formulated in an incomplete manner which renders the problem unsolvable without additional education.
Also, while there might be objective attempts to resolve or refute something, it is not necessary that these objective attempts will apply to the state of the problem as it exists in one's own mind or experience.
For example, I know of some objective refutations of solipsism, and technically, they're very good - but they don't resolve the problem of solipsism
as it exists in my mind. But as I am pretty sure I haven't invented the problem of solipsism myself, I think I have good chances to look into other people's solutions and find something that might help me.