Not only are you "making it personal," but you are wrong.
Fruits matter.
Good fruits are given by God and are born of Christ on good trees planted by God to display His mercy.
Evil fruit is produced by corrupt trees, likewise planted by God to display His wrath.
Charity matters.
If we don't have charity, then the truth is not in us.
I believe I am going to heaven not by anything I have done to earn salvation, but by God graciously, freely, mercifully acquitting me of my sins by the redeeming sacrifice of His Son.
We are saved by grace alone through faith alone in Christ alone according to God's word alone for God's glory alone.
Thank you for sharing your own personal interpretation of Scripture.