Wrong on many levels.
For one thing, there is no such thing as a *mortal sin*. The term appears no where in Scripture.
Second, ALL sin lead to death. You break one law, you're guilty of breaking them all. (Out of James, the RC's favorite book of the Bible)
Third, God doesn't let His children get away with having a callous, flippant attitude towards sin. No born again believer who is a new creature in Christ will have it.
Fourth, even if someone doesn't repent of a specific sin, it does not affect his salvation. Does he have to answer for it? Of course, just like we have to answer for everything we do in our lives when we stand before the judgment seat of Christ and give an account to Him.
That sin impedes our relationship with Him, will cost us rewards in heaven, but does not BREAK the relationship. We are still saved.
Anyone who thinks they've accepted Christ and can go out and sin with impunity has not been born again. That kind of attitude is evidence that they are NOT saved.
What effect does Christs judgment have when you die?
For rewards. Not for salvation.
The Great narses' influence lingers on...
and that is EXACTLY why God created Purgatory...still saved but having to atone for our sins....you are right!!