You always complicate things with the theological conclusions of men as it they were ATs instead of surrendering to God and finally becoming able to hear what He is saying through the Holy Spirit!
"Two men went up into the temple to pray; the one a Pharisee, and the other a publican.
The Pharisee stood and prayed thus with himself, God, I thank thee, that I am not as other men are, extortioners, unjust, adulterers, or even as this publican.
I fast twice in the week, I give tithes of all that I possess.
And the publican, standing afar off, would not lift up so much as his eyes unto heaven, but smote upon his breast, saying, God be merciful to me a sinner.
I tell you, this man went down to his house justified rather than the other: for every one that exalteth himself shall be abased; and he that humbleth himself shall be exalted." Luke 18:10-14
I know... like the Catholics you have an answer for everything. Why should I accept yours and not theirs? As one of their representatives here would tell you, they've been around longer... as if that made a difference.
Without loving God there is no salvation! Read I Corinthians 13 in the Spirit! What are the two greatest commandments according to Jesus?