" no one is effectively saved?" No, the difference is that while to varying degrees of grace they are presently blessed (and the many way can be an entire sermon) as souls who presently assuredly have eternal life as 1 John provides for those of the effectual saving obedient faith he describes, they have yet to realize the full experience of this.
Such have been "enlightened, and have tasted of the heavenly gift, and were made partakers of the Holy Ghost, And have tasted the good word of God, and the powers of the world to come," (Hebrews 6:4-5. KJV) and are accepted in the Beloved, and seated with Him in Heaven, and have immediate direct access into the holy of holies ijn Heaven to meet with God. (Eph. 1:6; 2:6; Heb. 10:19)
And such will be realize the full experience of their salvation if they "hold fast the confidence and the rejoicing of the hope firm unto the end." (Hebrews 3:6. KJV) For ye have need of patience, that, after ye have done the will of God, ye might receive the promise. (Hebrews 10:36. KJV)
However, those who did not prepare themselves as described in Lk. 12:47, "which knew his lord’s will, and prepared not himself, neither did according to his will," which means they were walking in disobedience, as well as the ignorant of who did the same, are not of saving faith, and thus will be sentenced as the last judgment to punishment commensurate with the kind of sins and degree of accountability.
It begs the question, why would someone be given many stripes or few stripes if cast into eternal fire and torment? At that point, what difference would it make?
I hope you do not find out, for it surely will make a difference, otherwise you charge Christ with speaking irrelevance thru His Spirit, since He warned of different degrees of punishment,
He that despised Moses’ law died without mercy under two or three witnesses: Of how much sorer punishment , suppose ye, shall he be thought worthy, who hath trodden under foot the Son of God, and hath counted the blood of the covenant, wherewith he was sanctified, an unholy thing, and hath done despite unto the Spirit of grace? (Hebrews 10:28-29. KJV)
Woe unto you, scribes and Pharisees, hypocrites! for ye devour widows’ houses, and for a pretence make long prayer: therefore ye shall receive the greater damnation . (Matthew 23:14. KJV)
Even the very dust of your city, which cleaveth on us, we do wipe off against you: notwithstanding be ye sure of this, that the kingdom of God is come nigh unto you. But I say unto you, that it shall be more tolerable in that day for Sodom, than for that city. (Luke 10:11-12. KJV)
Which is in keeping with the principle that "unto whomsoever much is given, of him shall be much required." (Luke 12:48. KJV) And if there is no sentencing based upon the kind of sins and accountability then why even have witnesses?
In addition , the same objection of "At that point, what difference would it make?" would also apply to the different degrees of rewards given to believers. For in both cases the recipients are receiving an eternal though contrasting recompense, but there are distinctions in the degrees. Believers are saved by faith in the risen Lord Jesus, and given rewards (in grace) for what they did (though it was God who both enabled and motivated them, to do what they otherwise would not and could not do). Unbelievers are essentially damned due to their unbelief, which renders them liable to being punished according to their sins, relative to their degree of accountability.
In any case, among other things, Luke 12:41-49 simply does not correspond to Purgatory since the punishment spoen of does not take place until He returns, "Blessed are those servants, whom the lord when he cometh shall find watching." (Luke 12:37. KJV)
Since you cannot even overcome this obstacle, while the different degrees of punishment easily corresponds to the final judgment, then there is no use trying spin the rest to support your vain tradition.
In all this and on 1 Co. 3, rather than showing a willingness to go wherever the Truth of Scripture leads as best evidenced, you have continually insisted on vainly attempting read what your church teaches into the texts, thus abusing Scripture as a servant compelled to support your elitist church. To you own damnation.