I live in the world as it is. No one is "saved" till his life is judged in its completeness, at death. I have reasonable hope that Christ Whose sacrifice is surely sufficient to save me will see me through, so I would not describe this as "fear", though.
Is everything in the Bible Protestant?
Quite a bit in Protestantism is actually Catholicism, and those parts are int he Bible allright. What makes Protestantism Protestant is indeed stuff not found in the Bible. Your idea that people are saved before they actually are is among those.
 And their sins and iniquities will I remember no more.
 Now where remission of these is, there is no more offering for sin
Right, this is a good reason to discard the once-saved-always-saved nonsense and get to the penitentiary.
>> “I live in the world as it is. No one is “saved” till his life is judged in its completeness, at death.” <<
Not found anywhere in God’s word.
You live in fear (a sinful condition of itself) if you are not one of God’s children.
That is your ‘reality’ not mine.