Believe it or not, what you have written is not far from what Catholics believe. Within Catholic theology, when we speak of faith we merely mean intellectual assent. Thus the importance we place on charity (love) and works, which are only made possible by faith. This is why I ask questions to try to get behind the vocabulary and understand what others actually believe.
Yes, we all do sin from time to time but if we turn back to God with sorrow for our sins and a sincere purpose of amendment (no matter how imperfect we know our actual efforts will be) then through faith our sins will be forgiven.
I am sure we will still disagree on how the sacraments of Baptism and Confession work in the scheme of things but there is no reason to invent disagreements where none exist.
Well, then it IS far from what Catholicism teaches.
Saving faith is not intellectual assent nor is it intellectual assent that someone decides to add works to.
Intellectual accent does not procure salvation.
This is God's definition of faith.
Hebrews 11:1 Now faith is the assurance of things hoped for, the conviction of things not seen.
Our sins are forgiven through Christ Jesus and through confession to God.
God never adds anything about intent.
Also, even if there are sins we have not confessed, we are still saved and going to heaven. Because....
Colossians 1:13-14 He has delivered us from the domain of darkness and transferred us to the kingdom of his beloved Son, in whom we have redemption, the forgiveness of sins.
Colossians 2:13-15 And you, who were dead in your trespasses and the uncircumcision of your flesh, God made alive together with him, having forgiven us all our trespasses, by canceling the record of debt that stood against us with its legal demands. This he set aside, nailing it to the cross.
He disarmed the rulers and authorities and put them to open shame, by triumphing over them in him.
In the spiritual realm, those born again believers are already seated in heaven with Christ.
Ephesians 2:1-10 And you were dead in the trespasses and sins in which you once walked, following the course of this world, following the prince of the power of the air, the spirit that is now at work in the sons of disobedience— among whom we all once lived in the passions of our flesh, carrying out the desires of the body and the mind, and were by nature children of wrath, like the rest of mankind.
But God, being rich in mercy, because of the great love with which he loved us, even when we were dead in our trespasses, made us alive together with Christ—by grace you have been saved— and raised us up with him and seated us with him in the heavenly places in Christ Jesus, so that in the coming ages he might show the immeasurable riches of his grace in kindness toward us in Christ Jesus. For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, not a result of works, so that no one may boast. For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.