"IOW, if you are not saved by Grace through Faith you will not have the Holy Spirit indwelling you and when you are judged you will not be found righteous."
That's the whole idea behind the parable about the guy that shows up at the wedding banquet in blue jeans and a tee shirt. Matt. 22:11
....at the wedding banquet in blue jeans and a tee shirt Hawaiian Shirt. Matt. 22:11
Now.
Much better.
:>)