While we are alive, Christ is perfect mercy.
At the moment of our death, Christ is perfect justice.
(So that repentance is our thing to deal with.)
I do go with an evangelical model that we are presented “perfect in the day of Christ Jesus.”
I don’t get into purgatory arguments. The predictions of the Roman Catholic tradition might or might not be applicable here. I would tend to see a purgatory, if there even is one outside this particular mortal coil, as a mix of trial and joy — just like we see our purification work out in this world. It would not be one unmixed grim zone. And you’d want, even with eager joy, to press on through it. It would not be a quintessentially discouraging place.
I.e. we in a sense are in a purgatory already. Whether that extends past the mortal, any evidence would be frankly extrabiblical. And you know we Crazy Evangelicals are skeptical of the extrabiblical, while knowing you Roman Catholics are quite enthusiastic about it at times. I tend to think the encounter of 1 Corinthians 3:12 might be the size of it; a final encounter that judges the progress that was made during our mortal lifespan, spotted with sins in its incompleteness, and a final squaring up of a spirit that by this point has been made ready to square up. God already fits such dual (or multiple) purpose encounters in our mortal lives, so why is that not possible at the end. It would be like a cacophony of ill-tuned strings that resolves in a perfect adjustment and a perfect musical chord. As C. S. Lewis posited in “Screwtape Letters”: “they embrace those pains. They would not barter them for any earthly pleasure.” It will hurt so good, in modern parlance.