[DreamsofPolycarp]

Either you are, at the moment of your death, utterly perfect, completely holy, and absolutely ready to enter the presence of a righteous God (who is, according to Scripture, a "consuming fire," and will not be deceived by any snow-covered dunghills merely covered by an imputed legal fiction, pace Martin Luther), or you'll need purgatory ... or you're going to hell.

You are correct, and the answer is "a"

[jonno]

Either you are, at the moment of your death, utterly perfect, completely holy, and absolutely ready to enter the presence of a righteous God ...

Through faith in Christ, by virtue of His atoning sacrifice - in God's eyes - I am justified, made perfect, holy, period.

Do you think Christ gave special dispensation to the repentant thief when he said "today, you will be with me in paradise"?