It is obvious, then, that there is a difference between the two constructs, at least in this author's mind and also in the many comments and posts through the years whenever we discuss it. This post, even, is in response to an earlier one from the non-Catholic viewpoint.
What is most ironical to me is that "boiled down" to the basics, both essentially say the same thing and that is that we are saved by the merits of what Jesus Christ did for us on the cross when he gave himself as a propitiation for our sins. All who accept his sacrifice by grace through faith have been given eternal life as a free gift. THAT is the faith that saves, that is the faith that bears fruit and that is the faith that endures to the end.