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Except if one does not obtain that reward, one has not lost anything (that one never had). The reward was never his to lose because he had not met the terms of the reward. "If any man's work abide which he hath built thereupon, he shall receive a reward." In Corinthians, the one saved as by fire did not meet the terms because his works did not "abide" (remain, continue).
Although "loss of reward" is not in Paul's text there, it is found in the Gospel here. it uses different Greek root word for "lost" and the same word for "reward." The context is behavior towards others (sounds similar to the Parable of the Sheep and Goats).

He that receiveth a prophet in the name of a prophet shall receive a prophet's reward; and he that receiveth a righteous man in the name of a righteous man shall receive a righteous man's reward. And whosoever shall give to drink unto one of these little ones a cup of cold water only in the name of a disciple, verily I say unto you, he shall in no wise lose his reward.

Matthew, Catholic chapter ten, Protestant verses forty one to forty two,
as authorized, but not authored, by King James
The "loss" for one saved by fire does not fit this pattern, uses a different Greek word (which means lose one's soul every time when used by the Messiah. In the Apostle's case, it seems to me, he specifically added "but he himself shall be saved; yet so as by fire" so that the text not be miscontrued as losing one's soul, yet he did not add "suffer loss of reward."

Except if one does not obtain that reward, one has not lost anything (that one never had). The reward was never his to lose because he had not met the terms of the reward.

Wrong, for the context is future, and you can lose something that is yours to take if you fulfil the conditions, thus the warning "Behold, I come quickly: hold that fast which thou hast, that no man take thy crown." (Revelation 3:11. KJV) And as shown, fruit such as the Philippians were Paul's “joy and crown” (Phil. 4:1) but which crowns are not given until the Lord comes. But by your logic, no man could take their crown since they had not yet received it.

Thus the suffering of loss refers to what he would have at the judgment, that just as fruit such as the Philippians would mean the obtaining of a reward, losing this work (which is also suffering loss) meant losing the reward.

The "loss" for one saved by fire does not fit this pattern, uses a different Greek word (which means lose one's soul every time when used by the Messiah. In the Apostle's case, it seems to me, he specifically added "but he himself shall be saved; yet so as by fire" so that the text not be miscontrued as losing one's soul, yet he did not add "suffer loss of reward."

That is more desperation, for if you want to resort to the Greek which can have varied shades of meaning, the same word (apollumi) for lose in Mt. 10:42 is actually used for losing reward:

Look to yourselves, that we lose (apollumi) not those things which we have wrought, but that we receive a full reward. (2Jn 1:8

And once again, even if you had a valid point, the judgment at issue here is of believers who are already in the presence of the Lord, and occurs when He comes, which itself excludes this fom being Purgatory, despite you attempts to gain a foothold .

In conclusion, there simply has been and is no way for you to make Luke 12:41-48 and 1 Co. 3 to mean RC Purgatory, and i am not going to take more time refuting your desperate and apparently compelled attempts. May be you think this will gain you an indulgence, but the only indulgence has been by meet in even taking the time to expose RC sophistry for what it is.

Over and out.