[Pyro7480]

But, what if, while in your sin, a bullet came out of nowhere, smacked you in the head, and you died instantly? You had no chance to do anything, what then? Heaven? Or Purgatory? Or Hell?

If I am in grave sin, I will go to Hell.

[irishtenor]

Then you are not counting on Jesus to save you, you are counting on your action (the prayer) to save you. Jesus paid for all your sins. I truely believe that you believe in Jesus. Jesus has paid for your sins that you did, that you are doing, and that you will do. It is Jesus, and Jesus alone, that saves. He did it by being that perfect sacrifice on the cross. If you say that it is Jesus plus whatever you do, then it wasn't a PERFECT sacrifice, it was an almost perfect, or nearly perfect, or close but no cigar sacrifice.