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“What is the penalty for unrepentant sin?” There is no penalty for the believer. This has been paid at the cross before the sin was ever committed.

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You said in another that your PAST, PRESENT, AND FUTURE sins were forgiven by God's grace (salvation through faith). That IS your doctrine of OSAS. Paul says otherwise...

Romans 3:23For all have sinned, and come short of the glory of God; 24Being justified freely by his grace through the redemption that is in Christ Jesus: 25Whom God hath set forth to be a propitiation through faith in his blood, to declare his righteousness for the remission of sins that are past, through the forbearance of God; 26To declare, I say, at this time his righteousness: that he might be just, and the justifier of him which believeth in Jesus.

The Penalty for unrepentant sin is DEATH. God's grace covers PAST unrepentant sin. After grace, REPENTANT sin is covered. 00666 Ravi (license to sin unrepentantly) is not covered by grace (if in fact he was unrepentant). We are expected to ABIDE IN HIS LOVE, and that means keeping his commandments in OBEDIENCE. We are under an even HIGHER duty to obey after being saved by grace, for what Christ did for us on the cross.

Romans 6:1What shall we say then? Shall we continue in sin, that grace may abound? 2God forbid. How shall we, that are dead to sin, live any longer therein?

14For sin shall not have dominion over you: for ye are not under the law, but under grace. 15What then? shall we sin, because we are not under the law, but under grace? God forbid. 16Know ye not, that to whom ye yield yourselves servants to obey, his servants ye are to whom ye obey; whether of sin unto death, or of obedience unto righteousness?

23For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord.

Ah, come on man, none of that matters. Everyone that believes gets a free pass. Obedience after grace doesn't matter. FR guys told me that. We are the saints that will inherit the kingdom of God. Obedience to God's law is for the suckers that are lost, like Phil and his SDA organization. See you in the clouds, Yippee!

Ummm, no.

Revelation 14:12Here is the patience of the saints: here are they that keep the commandments of God, and the faith of Jesus.

Revelation 22:12And, behold, I come quickly; and my reward is with me, to give every man according as his work shall be. 13I am Alpha and Omega, the beginning and the end, the first and the last. 14Blessed are they that do his commandments, that they may have right to the tree of life, and may enter in through the gates into the city.

Eccl:13Let us hear the conclusion of the whole matter: Fear God, and keep his commandments: for this is the whole duty of man. 14For God shall bring every work into judgment, with every secret thing, whether it be good, or whether it be evil.

We will ALL be judged.

1 Corinthians 5:10For we must all appear before the judgment seat of Christ; that every one may receive the things done in his body, according to that he hath done, whether it be good or bad. 11Knowing therefore the terror of the Lord, we persuade men; but we are made manifest unto God; and I trust also are made manifest in your consciences.

Romans 2:11For there is no respect of persons with God. 12For as many as have sinned without law shall also perish without law: and as many as have sinned in the law shall be judged by the law; 13(For not the hearers of the law are just before God, but the doers of the law shall be justified.

God's saints are commandment keepers, and they obey. Unrepentant OSAS false doctrine sinners will not be in heaven.

The faith of Jesus and the keeping of the commandments represent two important aspects of Christian living. The commandments of God are a transcript of the character of God. They set forth the divine standard of righteousness that God would have man attain but which in his unregenerate state he cannot attain to. “The carnal mind … is not subject to the law of God, neither indeed can be” (Rom. 8:7). Despite his best attempts, man continually comes short of the glory of God (see on Rom. 3:23). But Jesus came to enable men to be restored to the divine image. He came to show men what the Father is like, and in this sense amplified the moral law. Through His power men are enabled to keep the divine requirements (see on Rom. 8:3, 4) and thus reflect the divine image. The remnant church thus honors the commandments of God, and observes them, not in any legalistic sense but as a revelation of the character of God and of Christ, who dwells in the heart of the true believer (Gal. 2:20).

SDA Bible Commentary on Rev 14:12

Unfortunately, you are back to your usual "see & say" words in Scripture without context, or understanding of the totality of Scripture. No insult intended. It would be impossible to do otherwise for someone in your situation.

As the Greek translation says of a person who is yet to be saved...

"But the unregenerate man of the highest intellectual attainments does not grant access to the things of the Spirit of God, for to him they are folly, and he is not able to come to know them because they are investigated in a spiritual realm.
But the spiritual man investigates indeed all things, but he himself is not being probed by anyone. For who has come to know experientially the Lord’s mind, he who will instruct Him? But as for us, Christ’s mind we have."
Wuest (1 Co 2:14–16)

Because the things I would write to explain the passages you quoted wouldn't be understood, I will pass. What you can and should grasp is the Gospel of Grace that can lead to your salvation apart from works.

I truly wish that for you.