Again, your statement just begs the question: what conditions must exist in order for one to receive God’s saving grace? Surely if you do not believe, you will not receive such grace and therefore have reason to be fearful. Our dispute is over what exactly is necessary to receive salvation and therefore ultimately avoid the fear. I suggest that fear of the Lord is one such prerequisite. Remember, however, that “fear” is a rough translation of the original, which had a broader meaning, encompassing also awe, reverence and wonder.
How could one believe in Jesus as the Son of God and not have a total understanding of God?