You are saved, ping!
This article is like trying to explain the inner workings of an iPhone to someone who has never seen a telephone before.
In other words, do not underestimate what God as done through Jesus Christ or overestimate what any man must accomplish or understand in order to obtain and retain God’s matchless Gift of eternal life to all who accept Jesus’ finished work and lovingly receive Him and other believers in Christ.
Salvation is of God through Jesus Christ, not via the Church, the Body of believers, which He founded with only Himself as the Head. It’s so simple, a child can always find Him if he/she looks in His direction and comes to Him faithfully.
Yes, I am saved.
However, I know I am a sinner and need to cleanse myself from personal sin through the Sacrament of Reconciliation.