1. Both going to Heaven and both go through this process.
Yes, but for those already sanctified there is nothing for them to burn off. There is a test and they pass the test. They do nto go through purification.
So now you have a purgatory which contains souls which do not undergo the purification after death necessary so as to achieve the holiness necessary to enter the joy of God, which the CCC teaches is what purgatory is for. (CCC 1054, 1030)
2. The wood, hay and stubble are burned up and the person "loses" rewards BUT still goes to Heaven.
Those in purgatory lose the immediate union with Christ and the associated reward for life time sanctity BUT still go to Heaven.
Whereas Scripture tell us most clearly that the postmortem condition of the believers is with the Lord, and all will stand before the judgment seat of Christ for recompensing, and 1Cor. 3 is that day. As was shown.
3. What remains, gold, silver, precious gems, after the fire result in rewards IN ADDITION TO Heaven.
Yes. The Church teaches that there are levels of sanctity in Heaven too. These are the rewards among the saved.
Not an issue. Every star differeth in glory.
what do the gold, silver, precious gems represent?
They are rewards for righteousness, such as virginity, dedication to others, poverty, fortitude, works of mercy and justice, etc.
In Scripture, they represent believers, as was shown.
cannot be good works that get them into Heaven since it is by grace we are saved through faith without works
That is the foundational lie of Protestantism, and the reason Protestant propagandists would lie about this passage from their last bunker. We are saved through grace alone by both faith given us by the Father and works prepared for us by the Lord (Eph. 2:5-10)
The Reformers strongly preached on works as a necessary testimony to saving faith which appropriated justification, and rather than evangelicals, it is Roman Catholics which overall evidence the most lethargy, due to faith in the power of Rome, and confidence in purgatory. And the ones most manifestly lying about it are those with an interest in promoting the Roman Catholic bureaucracy with the system in which purgatory is a part.
But you have evidenced you will only believe what your devotion to Rome allows, and so its time to move on.
The test is not yet purgatory. All go through the test, not all go through the burning off of the stubble, which is purgatory.
Scripture tell us most clearly that the postmortem condition of the believers is with the Lord
This is why purgatory is a logical necessity since "There shall not enter into it any thing defiled" (Apoc. 21:27).