I once heard a very interesting shiur on the topic that explained the din of maavir sedrah from two perspectives; understanding the text, and (slightly al pi sod) reenacting har sinai. According to the first pshat, anything goes which is why you are yotze with Rashi. According to the second pshat, the Targum Onkelos represents the process of Moshe teaching it to the people. Incidentally, that’s why the Shulchan Aruch says a God fearing person will do both; because he’s fulfilling two opinions by doing the extra targum. Don’t take a psak from this summary but its conclusion is fairly obvious.
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