I take the simple minded approach now that good is stronger than evil. If you get Christ you get the good. The gospel implementation in a life will NEVER be perfect this side of eternity, in this mortal coil. You cannot tie an individual Catholic's soul to the official church teaching if that Catholic does have Christ. How it any discrepancy reconciled at judgment? Christ's blood. Same as for our own shortfalls of practice that persist to the moment we die. "I was shown mercy, because I acted in ignorance and unbelief."
I don't disagree. I don't believe you have to have a solid theological understanding of Scripture. However, I do believe you must have faith in Christ Alone that his sacrifice is all you need to be saved. If you attach anything else to that faith it really is not faith alone and you don't believe The Gospel.
I believe Scripture does tell us how gut wrenching it will be to see those that are being judged at the White Throne Judgement many of whom thought they were Christians. Having family on my wife's side that are Roman Catholic I understand what's at stake. I've shared The Gospel with them and some became Born Again Christians and others have not.