Saved by grace through faith shown by works.
This is no great insight on my part or your part just a simple reading of scripture.
As you know it's all in there.
If I am understanding you correctly and communication is a tricky thing! I would certainly agree. I can't agree that it isn't a great insight, though, in the sense of a weighty or significant one; it certainly has eluded the RCC, whose formal position is to oppose that Biblical statement vehemently. And yes indeed, I totally agree with your words: it is "just a simple reading of scripture." Which is why the RCC is bound and determined to discourance and belittle the "simple [i.e. not controlled by the Magisterium] reading of scripture."
Dan