I posted this last month on another thread, but with the theology you now espouse it seems appropriate to repeat my earlier post:
When the Catholic child who does not receive the love of God mediated by the family comes across the teaching of the catechism which presumes it! about the conditions for persevering in salvation-begun and not losing it, he will misinterpret Catholicism and miss seeing the whole. He will be very prone to oversimplifying and thus take the stick figure alternative of Protestant belief as truth and think he’s not only better off, but superior in understanding Revelation. He’ll come out with platitudes naively asserted about “no conditions”. It is childish, but it calms the exaggerated fears of the past which distorted seeing things right in the first place. It is a premature “peace,” really a psychological-emotional overcoming of morbid fear about salvation. But it is also an unaware presumption of being right about Revelation because of the subjective role such over-simplification brings in eliminating self-centered worry.
He will have little awareness that the solution he comes up with is still highly self-centered, because he has swung from thinking everything depended on himself to please God and avert condemnation (hopelessness) to everything depends on God alone (guaranteed!) and relieves him of having any responsibility for his own eventual salvation and presumes God has chosen him. As a result, he confuses his own judgments about Scripture and Revelation with the Holy Spirit (since he doesn’t do anything in attaining salvation, except believe, of course, which is the illogical exception), so it must be the Holy Spirit, not him. Also, he will swing from the excessive fear of punishment for wrongdoing to no punishment at all for future sins for those who believe (because Christ took all that on Himself in place of our going through it, ignoring the glaring reality that we still die and suffer before death!).
This self-satisfied “peace” makes it easy for him to judge the Church (which is blamed for error that caused him painful fear before, conveniently avoiding any consideration that he had defects of psyche and/or upbringing by his parents, e.g., such a simple one of non-communication about important things like how one understands God. Oversimplification about salvation carried over to Scripture “alone” is understood by the individual, but seen as God the Holy Spirit telling on the Truth, against which every other belief, beit of the Universal Church even, is judged and rejected if contrary. Such people never rise to sanctity; indeed, they never even become proficients in the spiritual life, and their use of the sacraments - if they remain in the Church is really not as Catholics, but Protestants with distorted interpretation - and thus profit them little. Their lack of self-knowledge is astounding. They consider themselves equal to the Saints, or rather, more often just don’t look at the Saints lest those examples of heroic love of God show them up as infantile and simplistic. How comfortable is their ignorance and how pitiful. It strengthens their presumption of being right, increases their pride without their even noticing it.
In contrasting summary, we are saved by the grace (God’s choice) through faith leading to Baptism within the Church and moved by the charity of the Holy Spirit putting into practice the life of the virtues, with the aid of the Sacraments, gradually deepening into a holiness which if not attained in this life will be in the next by purification of post-baptismal sin of commission or omission, confident that God will bring to completion what He has begun in us, not presuming it is done already without our cooperation. A humble trust in God and distrust in self, combined with active participation, is the simple-complex reality.