It is too bad that you cannot get past the idea that everything is about salvation-it isn't.
All Christians will be judged at the judgement seat of Christ for their works and those works will be tried by fire (1Cor.3:13) and only those done in the power of the Holy Spirit will be remain as 'gold, silver and precious stones' the rest will be 'wood, hay and stubble' and will be burnt.
However, the believer will not be burnt (he himself shall be saved) (1Cor.3:13-16).
In other words, a believer in Christ no longer concerns himself with salvation he concerns himself with service.
The Christian knows he has crowns to win that will glorify the God that saved him, hence the term, 'so that the man of God, may be perfect thoughly furnished unto all good works' (2Tim.3:17).
It doesn't follow from the scriptures you cite. Are the goats in Matthew 25 send to Heaven without crowns for insufficient service, or are they send to Hell? Check the scripture please.