Christ’s death and resurrection paid in full for our forgiveness. That forgiveness even when experiencing purgatory is from Christ’s death and resurrection. Our prayers, actions etc. cannot lessen purgatory or wipe away our sins — only Christ’s blood does that.
There is no forgiveness, if punishment is applied. Purgatory is pure fiction that arises out of the hearts of men that value punishment, not forgiveness. It's a fiction contrived for the purpose of making punishmnet an acceptable Christian value and practice, in every way contrary to God's expressed values and Word.
"Our prayers, actions etc. cannot ... wipe away our sins — only Christ’s blood does that."
God disagrees. First He teaches us to forgive.
John 13:14,15, "Now that I, your Lord and Teacher, have washed your feet, you also should wash one another’s feet. I have set you an example that you should do as I have done for you.
Then He points out what one must do in order for Him to extend forgiveness. Matt 6:14,15, "For if you forgive other people when they sin against you, your heavenly Father will also forgive you. But if you do not forgive others their sins, your Father will not forgive your sins."