Savagewind,
It all is determined by what you mean, need. Need in what way, for salvation? NO!! Maybe for help in understanding the message of the Holy Scriptures, especially for those who are still BABES, in the truth.
The Bible actually tells us NOT to put our trust in men, because there is NO salvation in men, Psalms 146:3,4. The Bible also tells us that we will all give ACCOUNT, FOR HIMSELF, before the Judgment Seat of God.
Elders, are in the congregations to help anyone who needs help, especially spiritual help, but also in any way that it is needed. The Bible tells us to be in subjection to the ones taking the lead in the congregations, which are elders, Hebrews 13:17. Of course, this subjection is relative. If anyone, elders included, tell you something that is contrary to what the Bible says, we should not obey, Acts 5:29.
If a member of the congregation has committed a serious sin, the elders can help that person to get back on tract, by encouraging them and by asking them how they are doing, which helps the person to stay away from what they did wrong. The elders also pray with the person to help spiritually.
So do you NEED the elders?? I would say yes, because they are put in the congregations to help, both the individual person, and also to make sure the whole congregation is pleasing to God, Galatians 6:1. In 1Timothy chapter 3, and Titus chapter 2, gives some of the qualifications of both elders and ministerial servants. Men who fulfill these qualifications can be of great help to any congregation.
Of all Christians in the first century, Paul was given, by far, the most knowledge and understanding of how Jesus wanted the congregations to operate. 1Corinthians, chapters 12-14 give many instructions.
There was also a Governing Body in Jerusalem, with Jesus' half brother James the head. Any problems or help need in any way, the congregations would consult the Governing body for instructions. At Acts 15:1-33. As the Bible tells us at Acts 14:33, God is not a God of confusion, but of peace, so He wants all congregations to run as one.
There is not to be divisions of God's world wide congregation, all should speak the same truths, 1Corinthians 1:10. To make sure that all things, the world over, operate the same and continue to be pleasing to God and His son Jesus, who is the Head of the Congregation, the Governing Body is needed, as are elders.