Better brush up on all of St. Paul's writings, as well as the rest of Scripture.
"Wherefore he that thinketh himself to stand, let him take heed lest he fall." 1 Corinthians 10:12
"Wherefore, my dearly beloved, (as you have always obeyed, not as in my presence only, but much more now in my absence,) with fear and trembling work out your salvation." Philippians 2:12
Or a person can stay in denial, insisting that God is keeping a big scorecard.
Sounds like you're the one in denial.
"Who will render to every man according to his works. To them indeed, who according to patience in good work, seek glory and honour and incorruption, eternal life: But to them that are contentious, and who obey not the truth, but give credit to iniquity, wrath and indignation." Romans 2:6-8
"And I saw the dead, great and small, standing in the presence of the throne, and the books were opened; and another book was opened, which is the book of life; and the dead were judged by those things which were written in the books, according to their works. And the sea gave up the dead that were in it, and death and hell gave up their dead that were in them; and they were judged every one according to their works." Apocalypse 20:12-13
Regardless of what you claim, Scripture teaches that one learns of their salvation during their particular judgment following death and not until.
"In the day when God shall judge the secrets of men by Jesus Christ according to MY GOSPEL." Paul writes, as inspired by the Holy Spirit that it is HIS Gospel that will be used by God to judge the secrets of men by Jesus Christ.
Do you know what this gospel that Paul refers to as "my gospel" is? Perhaps you should have continued reading Romans 2, past verse 8. Actually ALL of Romans would help you.
Your presentation of 1 Cor. is about the Dispensation of Grace contrasted with the Dispensation of Law. Perhaps you did not know there is a difference. To Paul was given the Dispensation of the Grace of God to minister. You will find it in Romans through Philemon.
Your Phil. Scripture sounds very RCC at first, as I know it is a favorite for RCs and all who think they can work their way to Heaven. In Philippians, Paul is exhorting Christians to rejoice,(3:1). Christians are to rejoice in fellowship with one another (1:3-11), in afflictions of the gospel (1:12-30), in the ministry for saints (2:1-18), in faithfulness of ministers (2:19-3:1), in the Lord and not in the legalism of Judaism or in the flesh (3:1-21, in unity (4:1-3), and always in all things (4:4-23). Both in suffering and joy, life and death, we are to rejoice. Until when? Until Christ returns for the Church the Body of Christ, and changes our vile bodies like unto His glorious body.(3:20,21).
Our physical lives while on this earth are indeed full of joy and sorrow. And in fear and trembling we work out our Christian lives. Knowing it is God which works in us both to will and do of his good pleasure. A holy God and just God working in this pitiful, vile, corruptible body to do His will? Yes, fear and trembling are the words. Unless one believes that he is actually doing things that impress God. No fear or trembling there. Just a vainly puffed up outward man who is spiritually blind. Those who are saved are still amazed daily that God, in His mercy, saved them. ANd they know that it is only by His grace, and the shed blood of Christ for his sins and his justification, that God has saved them.
As to your final argument, that one learns of his salvation after his death, nothing could be further from the truth.
"I am crucified with Christ; nevertheless I live; yet not I, but Christ LIVETH IN ME; and the life WHICH I NOW LIVE IN THE FLESH I live BY THE FAITH OF THE SON OF GOD, WHO LOVED ME, and GAVE HIMSELF FOR ME." Gal. 2:20.