rebdoniel, if Chazal say something, it is true and this is what we go by — eventhough you might be ignorant of it. Chazal do tell us that limud HaTorah is a tremendous zechus that has the power to protect. You do not know what you are talking about.
Plus, we don’t pasken like that Rambaml. Look in the commentaries on S.A., Hilchos Talmud Torah.