"IMO, more like maintaining grace through obedience."
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So in the RCC you could be saved today and if you don't do the right things tomorrow you could be lost. Who determines for you what works are sufficient to maintain your state of grace? What happens to the Catholic that dies while not in compliance with the works necessary to maintain their grace?
What happens to Protestants when they back slide? What happens to people who are "born again" and quit?
There's also purgatory. While not mentioned by name, it is similar to the OT Sheol. The threshing floor, the refiners fire that Paul talks about.
Ephesians and James both talk about the fact that we are made for works because of God, that is obedience.
No one is "saved" until they actually die and are admitted into Heaven. It is presumptuous to look at human history and all who have backslidden and just assume that you are not going to be one of them.
Walk on the path, you know where the path leads. Don't assume you have reached your destination. It's like not starting your TD dance until you are actually in the end zone.
Some people are in a state of grace today who may die out of grace.
Who determines for you what works are sufficient to maintain your state of grace?
Avoid sin. Do good things. Partake of the sacraments.
It's a poorly formed conscience that doesn't know if it is in a state of grace or not.
I understand the seductive allure of the idea that you are "saved" no matter what you do, but that is a beautiful lie.
If it makes you feel good and encourages you to do the good things necessary to stay in grace, it may lead you to salvation. But it's still a lie. Every one who goes off the path because they believed they were "assured" of salvation is a result of this lie.
SD