Isabella. A very good question, and I can see it is a big concern for you-- as it well should be! Your arguments are logical, but they are unfortunately not true-- the foundation of their logic is built upon fallacy, and so the logical conclusion is a false one also.
You seem to be suggesting a false dichotomy (either you have zero working faith or perfect working faith [where working is the fuller version of faith you are seeking, beyond intellectual]) and permitting no room in between. Either you are perfect in your love, or you have no love. This is a false dichotomy, failing to recognize a lot of in-between.
Take this from the Haydock commentary on a passage that is so rife with meaning that It cuts me to the quick when I read it. Notice both Ven. Bede and St. Jerome are the commentators.
First, the passage, Mark 9 22, 23
22 And Jesus saith to him: If thou canst believe, all things are possible to him that believeth.
23 And immediately the father of the boy crying out, with tears, said: I do believe, Lord; help my unbelief.
Ver. 23. If the man believed, as he said, why does he add, help my unbelief? It may be answered: because faith is manifold; there [sic] is a faith of beginners, and a faith of the perfect. The incipient faith this man already possessed, and he besought our Saviour to help him to the higher degrees of this virtue. No one becomes great and perfect all at once, but must first set off with small beginnings, and thus gradually ascend to the height of perfection. Thus the man, who, by the inspiration of grace has received imperfect faith, may be said at the same time to believe, and still to be incredulous. (Ven. Bede) — Here we are taught that our faith is weak, and has need of support and increase from God’s assistance. When tears accompany our faith, they obtain for us the grant of our petitions. (St. Jerome)
It is not a question of “is the light switch on our off?” For if it is off, the room is dark, if it is on, the room is lit. It is perhaps more one of those lights that adjusts on a knob. There is an ‘off’, which would be dreadful for our spiritual welfare. But there are a lot of shades of ‘on’ over which you have passed.