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the Roman Catholics cannot know for sure if they are in a state of grace or not, or whether their works are enough or not.
Indeed. And since most RCs believe they will end up in purgatory at their death, they must also judge Christ's work on the cross insufficient to cleanse them and God's grace not strong enough to save them in order to spare them this time-out in Nowheresville.

A most unsatisfying philosophy.

Not only does purgatory deny the sufficiency of the Blood of Christ, but the so called "sacrament of penance" also reveals a lack of trust in the precious Blood of Christ to have paid the full penalty for sin, by having some which must be atoned for in penance by humans.

Where the Roman Catholic religion makes its fatal error is incorrectly acknowledging the nature of sin, as well as the Infinite Holiness of God. Roman Catholicism ultimately makes man responsible for his own salvation.

Failure to recognize the state of unregenerate, fallen humanity as James so clearly illustrates, leads to man reaching up to God to prove his worthiness, when it is impossible for humanity that is infinitely guilty of all God's Law:

James 2:10
For whoever shall keep the whole law, and yet stumble in one point, he is guilty of all.

Hell is for those who want to set things right with God by their own efforts, for it will take all eternity to try to remove even one sin, which is infinitely sinful to an Infinitely Righteous and Infinitely Holy God.

Sad but true. It is so much easier to put all our sins at the foot of the cross and know that we have been forgiven of every one of them.

"Then said he, Lo, I come to do thy will, O God. He taketh away the first, that he may establish the second.
By the which will we are sanctified through the offering of the body of Jesus Christ once for all.
And every priest standeth daily ministering and offering oftentimes the same sacrifices, which can never take away sins:
But this man, after he had offered one sacrifice for sins for ever, sat down on the right hand of God;
From henceforth expecting till his enemies be made his footstool.
For by one offering he hath perfected for ever them that are sanctified." -- Hebrews 10:9-14

Please explain more fully what you mean by saying:

“Hell is for those who want to set things right with God by their own efforts”.