The point is if the 'whatever else' that is true in your life is you are living in willful, unrepentant, Christ on the day he returns you will NOT be saved.
What you are doing here is pointing to behavior and mood as being more relevant than whether Christ lives in you.
You seek to deny that Christ lives in those who may have poor behavior and mood, but what are you really doing? You are putting grace and faith and regeneration on the back burner, with behavior and mood occupying all of your attention.
2 Peter 1:5-11
5) And beside this, giving all diligence, add to your faith virtue; and to virtue knowledge;
6) And to knowledge temperance; and to temperance patience; and to patience godliness;
7) And to godliness brotherly kindness; and to brotherly kindness charity.
8) For if these things be in you, and abound, they make you that ye shall neither be barren nor unfruitful in the knowledge of our Lord Jesus Christ.
9) But he that lacketh these things is blind, and cannot see afar off, and hath forgotten that he was purged from his old sins.
10) Wherefore the rather, brethren,
give diligence to make your calling and election sure: for if ye do these things, ye shall never fall:
11) For so an entrance shall be ministered unto you abundantly into the everlasting kingdom of our Lord and Saviour Jesus Christ.
Make your calling and election solid, unmoving.
All of these are things you are, qualities you possess, not things you do. The measure of the believer is not in what they do, but what they are.
Much love!