—Bluntly it is always up to God...—
Actually, it is up to you. I look at it this way. Grace (the one thing that is missing from all religions other than Christianity), and it’s core point) is a present under the Christmas tree. God did his part by putting it there.
I can choose to open it and accept the gift, or I can open it and reject it, but once I die, I’ve lost that option. Whatever choice I made while in my Natural Man body, is the one I carry with me to the Great White Throne Judgement.
True. And if you die saved, you are going to heaven. And you go through final sanctification/purgatory.
For someone who has lost that option and refused the gift, they go to hell, no purgatory.