The only problem with this perspective is that ANYTHING added to faith is no longer faith in the object of Christ on the Cross. ANYTHING added to what Christ sacrificed now presumes He didn't complete it all. EVERY sin has been judged. Without that simple faith alone or adding to it, the faith is not in the same object as saving faith.
Your comment: “The only problem with this perspective is that ANYTHING added to faith is no longer faith in the object of Christ on the Cross.”
I disagree. So you are saying that our faith in Christ should not grow through love of God and neighbor through charity and good works?
Your comment: “EVERY sin has been judged.”
God has told us that there will be a judgement day.
But we still have free will, and we can still turn our backs on God and fall from grace, to use St. Paul’s phrase (Galatians 5:4).
St. Paul is very clear about the possibility of us committing mortal sin. He tells us: “Do not be deceived; neither the immoral, nor idolaters, nor adulterers, nor homosexuals, nor thieves, nor the greedy, nor drunkards, nor revilers, nor robbers will inherit the kingdom of God” (1 Corinthians 6:9-10).