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Believers are known by whom they obey, ~~but~~ and are saved by believing in whom they obey.

I like it better like this.

However, Roman Catholicism teaches that one is not justified by effectual faith being counted for righteousness, but by actually becoming good enough in heart to be with God in this life or RC Purgatory. "By grace" of course.

Well the disciples/servants had better be on their toes ...

Fear not, little flock; for it is your Father's good pleasure to give you the kingdom.
Sell that ye have, and give alms; provide yourselves bags which wax not old, a treasure in the heavens that faileth not, where no thief approacheth, neither moth corrupteth.
For where your treasure is, there will your heart be also.
Let your loins be girded about, and your lights burning;
And ye yourselves like unto men that wait for their lord, when he will return from the wedding; that when he cometh and knocketh, they may open unto him immediately.
Blessed are those servants, whom the lord when he cometh shall find watching: verily I say unto you, that he shall gird himself, and make them to sit down to meat, and will come forth and serve them.
And if he shall come in the second watch, or come in the third watch, and find them so, blessed are those servants.
And this know, that if the goodman of the house had known what hour the thief would come, he would have watched, and not have suffered his house to be broken through.
Be ye therefore ready also: for the Son of man cometh at an hour when ye think not.
Then Peter said unto him, Lord, speakest thou this parable unto us, or even to all?
And the Lord said, Who then is that faithful and wise steward, whom his lord shall make ruler over his household, to give them their portion of meat in due season?
Blessed is that servant, whom his lord when he cometh shall find so doing.
Of a truth I say unto you, that he will make him ruler over all that he hath.
But and if that servant say in his heart, My lord delayeth his coming; and shall begin to beat the menservants and maidens, and to eat and drink, and to be drunken;
The lord of that servant will come in a day when he looketh not for him, and at an hour when he is not aware, and will cut him in sunder, and will appoint him his portion with the unbelievers.
And that servant, which knew his lord's will, and prepared not himself, neither did according to his will, shall be beaten with many stripes.
But he that knew not, and did commit things worthy of stripes, shall be beaten with few stripes. For unto whomsoever much is given, of him shall be much required: and to whom men have committed much, of him they will ask the more.

Luke, Catholic chapter twelve, Protestant verses thirty two to forty eight,
as authorized, but not authored, by King James

I like it better like this. However, Roman Catholicism teaches that one is not justified by effectual faith being counted for righteousness, but by actually becoming good enough in heart to be with God in this life or RC Purgatory. "By grace" of course. Well the disciples/servants had better be on their toes .

I do not think yu will not like it better as this, since if salvation is becoming good enough in heart to be with God in this life or RC Purgatory, then you will find out that Purgatory is Hell. For while it is true that the servant who beats the menservants and maidens, and to eat and drink, and to be drunken will find the Lord will cut him in sunder, and will appoint him his portion with the unbelievers, for this testifies to one not being of faith, and as walking therein. In contrast, the meek shall inherit the earth, not because meekness attains this, but that is a characterize of faith, a fruit which God does reward.

But if one must actually become good enough in character development then almost does not count.

And the hope of most every RC, that of second chance via RC (not EO) Purgatory, is based upon a false premise, that of the need for perfection of character (if by grace) in order to be with God, versus penitent faith which appropriates justification, which purifies the heart (Acts 15:9) and is counted for righteousness (Romans 4:5) and renders one accepted in the Beloved (on His account) and positionally seated together with their Lord in Heaven, (Ephesians 1:6; 2:6) from where they await the Lord's return and His final subduing of our "vile body," that it may be fashioned like unto his glorious body," (Philippians 3:21)and which is the only transformative change after this life that the Scriptures speak of.

However, this saving justifying faith, is a faith which effects obedience by the Spirit, in word and in deed, in heart and in life, whereby "the righteousness of the law might be fulfilled in us, who walk not after the flesh, but after the Spirit, (Romans 8:4) insofar as we do. And since faith and works go together like light and heat, sometimes they are used interchangeably as to what they effect. And which obedience includes penitent confession when convicted of not pleasing the Object of his faith for salvation, the risen Lord Jesus.

The appeal to the believer is to produce fruit consistent with faith, as a consequence of being accepted in the Beloved (on His account), to be practically (in heart and deed) as they are positionally in Christ, to be as much conformed to the Lord Jesus in this life as we can be, and will be in the resurrection. (Philippians 3:7-21)

If we live in the Spirit, let us also walk in the Spirit. (Galatians 5:25) If ye then be risen with Christ, seek those things which are above, where Christ sitteth on the right hand of God. Set your affection on things above, not on things on the earth. For ye are dead, and your life is hid with Christ in God. When Christ, who is our life, shall appear, then shall ye also appear with him in glory. (Colossians 3:1-4)

But which progressive practical sanctification is not the cause of the sinner's justification and acceptance in Christ, but testifies to such being a believer, evidencing "things which accompany salvation," (Hebrews 6:9) and fit to be rewarded. (Revelation 3:4) For this faith, as manifested in said obedience, God will recompense (Hebrews 10:35) under grace, even though it is God who motivates and enables all obedience, (Philippians 1:12,13) while the only thing we can and must take credit for it our disobedience.

In contrast to this salvation by effectual faith, is salvation by grace thru works, as in Roman Catholicism, in which by grace one is actually made good enough to be with God via the act of baptism, even without the required wholehearted repentant faith. (Acts 8:38; 8:36,37)

However, since the carnal nature remains and few successfully attain to complete victory over any attachment to sin and perfection of character, then most baptized souls are sent to Roman Catholic (EOs trend to reject Rome's) Purgatory to endure purifying torments to atone for sins they sufficiently failed to provide for while on earth, and become good enough to enter glory.

There is some wiggle room as regards the conditions of purgatory since what this suffering actually entails and how long are not dogmatically taught, but while salvation by grace thru faith as in sola fide means it is effectual faith being imputed for righteousness that justifies, salvation by grace thru works means that by grace one is actually made good enough to be with God, which premise either requires perfection of character in this life (and which merely being made clean in baptism would actually not effect) or postmortem purifying torments.

The Catholic Encyclopedia states that St. Augustine "describes two conditions of men; "some there are who have departed this life, not so bad as to be deemed unworthy of mercy, nor so good as to be entitled to immediate happiness" etc. (City of God XXI.24.)

And thus by the close of the fourth century was taught "a place of purgation..from which when purified they "were admitted unto the Holy Mount of the Lord". For " they were "not so good as to be entitled to eternal happiness".

One "cannot approach God till the purging fire shall have cleansed the stains with which his soul was infested." -Catholic Encyclopedia>Purgatory.

"Every trace of attachment to evil must be eliminated, every imperfection of the soul corrected." - John Paul II, Audiences, 1999.

"The purpose of purgatory is to bring you up the level of spiritual excellence needed to experience the full-force presence of God." ( Jimmy Akin, How to Explain Purgatory to Protestants).

Likewise Catholic professor Peter Kreeft states,

"...we will go to Purgatory first, and then to Heaven after we are purged of all selfishness and bad habits and character faults." Peter Kreeft, Because God Is Real: Sixteen Questions, One Answer, p. 224

However, wherever Scripture clearly speak of the next conscious reality for believers then it is with the Lord, (Lk. 23:43 [cf. 2Cor. 12:4; Rv. 2:7]; Phil 1:23; 2Cor. 5:8 [“we”]; 1Cor. 15:51ff'; 1Thess. 4:17) Note in the latter case all believers were assured that if the Lord returned, which they expected in their lifetime, so would they “ever be with the Lord,” though they were still undergoing growth in grace, as was Paul. (Phil. 3:7f)

And the next transformative experience that is manifestly taught is that of being like Christ in the resurrection. (1Jn. 3:2; Rm. 8:23; 1Co 15:53,54; 2Co. 2-4) At which time is the judgment seat of Christ, which is the only suffering after this life, which does not begin at death, but awaits the Lord's return, (1 Corinthians 4:5; 2 Timothy. 4:1,8; Revelation 11:18; Matthew 25:31-46; 1 Peter 1:7; 5:4) and is the suffering of the loss of rewards (and the Lord's displeasure) due to the manner of material one built the church with, which one is saved despite the loss of such, not because of. (1 Corinthians 3:8ff)

In addition, the whole premise that suffering itself perfects a person is specious, since testing of character requires being able to choose btwn alternatives, and which this world provides. Thus it is only this world that Scripture peaks of here development of character, such as "Wherein ye greatly rejoice, though now for a season, if need be, ye are in heaviness through manifold temptations." (1 Peter 1:6) v