"neither in the world to come."
"There are the sins that are forgiven here (via the sacrament of penance normatively or by perfect contrition) and those that are remitted after death (in Purgatory)."
Can't be. In your world the world is now and purgatory is now, not a "world to come".
Why can it not be? Yes, some suffer greatly on earth, and it is commonly said that they suffer their Purgatory here, but how does that preclude it after death?