"Christians believe either that Christ's righteousness is accounted as the Christian's at the time of judgment (Protestant) or that Christ's righteousness actually makes the Christian righteous through sacraments and good deeds (Catholic)."
That is exactly what I wanted you to say.
Let's examine the logic behind that statement. Not to say that I don't believe it because after all it is completely true.
If someone belongs to a group, (lets say Catholics) as Gods creations why are his good deeds good enough to get him into heaven, whereas an equal creation of God (a Protestant) will not enter the kingdom under these terms. The Protestant must repent. That makes no sense.
Interesting...