No, you are turning it into cheap grace. In fact, I can make a theological argument that any person declaring they are absolutely saved without perseverance till the end is actually a sin against the theological virtue of Hope. God’s Grace saves. We agree, Faith is necessary, yes, but even Saint Paul said Love is greater than Faith. Hope is also among those 3 virtues. Grace saves us, but faith, hope and love are all so intrinsically linked that I would argue it is you are incorrectly seperating Faith from both Love and Hope.
In Catholic Theology there 2 ways to Sin against the theological virtue of Hope, one is to believe that my sin can not be forgiven that I turn into despair and totally reject God’s Grace. The other one is thinking that God must or will save me. I probably have not put this in precise theological language (i.e. The Hope discussion) but I think in principle I am accurate.
And I have no interest in re-reading Luther. My Catholic ancestors rejected his doctrines over 500 years ago. Now the sins of the past do not transfer to today so I don’t get into polemics with modern followers of the former Father Martin Luther. His sins of schism and novel doctrine are not yours. I understand you hold them, I wish you nothing but the best. I hold fast to the Faith of the Apostles delivered to the Church and passed down through the 1500 years before Luther.
The same corruption in Luther’s day is still there today.