Mark, I wish I knew enough about this to discuss it but I don't. I know nothing about churches, whether they are Protestant or Catholic. I do know that God's children are in all of them and He loves all of us.
I personally believe that when we stand in front of God there will not be a priest, father, preacher, pastor, reverend, etc. with us. We will stand alone and using the excuse of "but he taught me that" will not fly. I want to be part of the first resurrection and if I don't make it I will only have myself to blame.
....Ping
Read about the creation and the development of the Church through the Gospels, Acts, and then the Epistles.
I think that you are equating the Catholic Church with Joe’s Church that one might find on the corner or in the mall, right across the street from Tom’s Church, Dick’s Church and around the corner from Harry’s Church. That is a tremendous theological error. Christ created His Church. Luther, Henry (well, really James finished the job), Calvin, Zwingli et al created their own.
I agree absolutely that one stands before the Lamb in judgement on one’s own. But our Judgement is by His rules, not ours. If you are exposed to the Church of Christ and reject it, your punishment is severe (that darned ol’ free will again). If the Church is the entity that is the hands of God on Earth that the Bible says it is, then why would you not avail yourself of it. There are many sacraments that we are commanded to participate in such as the Eucharist. Do all Bible-only people do that? I’d say offhand that most of them don’t.
How are they going to be judged? They’re not going to be able to point to 1 and 2 Cor and say that God’s direction to us is only found in there and therefore You can’t judge me on anything else. They’re going to be judged by what we have done, measured on what God has left for us as metrics as to what we are supposed to do, and how we are supposed to do it.
So, how can you reject that which you know nothing about? Do you even know whence came the Bible you so fervently believe in? It didn't come down, like manna, from the sky. Where do you get the authority to interpret what God says? The Bible? From a book that the Church (which you deny) put together for you?