I would agree that there is no virtue in us at birth, but I'm a little surprised to hear you say that. What does our free will use to choose God? Does virtue spontaneously emanate from us, or can a virtue-less person simply decide that TODAY I have virtue?
The death of a soul is also not to be understood that the soul will disappear. Souls are immortal. The "death" of a soul as opposed to eternal "life" of a soul has to do with whether we will spend eternity in darkness and discomfort, or in presence of God.
Yes, I fully agree with you here.
We are not robots, FK. We know the good and evil, thanks to our ancestral parents. Our capacity to discern and choose is God-given. Our choice is not.