I do as well. When we are "in Christ" our sin debt is not imputed to us because if it were we would spend eternity separated from God paying that debt. But Christ's righteousness is imputed to us instead because ONLY his perfect righteousness is good enough to merit heaven.
It is this righteousness of Christ within us, the presence of the indwelling Holy Spirit, that compels us to live in a way that brings glory to God. That is why we ARE free from the law of sin and death and free to be ABLE to obey God out of a heart that has been intrinsically changed. We love him because he first love us.
The example of King David, who I'm sure would be the first to admit he failed often, is a man who, in spite of all his faults, STILL had faith and never let go of it. Rather than our salvation being a roller coaster ride of are we saved/aren't we saved based on how good we are, we have the assurance that we have been called by God into a relationship that began by grace and will culminate in that same grace with faith as the essential element. What He has begun in us HE will complete.
Rome’s idea of “imputed righteousness” is that an infant sprinkled with water in recognition of proxy faith is formally justified by “infused charity” via the regeneration this act executes, so that the infant is now holy enough to go directly to Heaven and be with God.
Yet since one is typically not good enough inside for Heaven afterwards, and has sins that warrant punishment, then after these sprinkled souls die then they usually need to spend an indeterminate time suffering in purgatory in order for their sins to be expiated, and become good enough to enter Heaven.
“It is a divinely revealed truth that sins bring punishments inflicted by God’s sanctity and justice. These must be expiated [atoned, be compensated] either on this earth through the sorrows, miseries and calamities of this life and above all through death, or else in the life beyond through fire and torments or ‘purifying’ punishments.” (Indulgentiarum Doctrina; cp. 1. 1967)
For unrepented venial faults for the payment of temporal punishment due to sin at time of death, the Church has always taught the doctrine of purgatory.” (Catholic Encyclopedia>Purgatory)
However, while God does chastise us from sins we did as believers, and these have a negative effect in our life, the only postmortem punishment for believers the Scriptures actually teach is that of suffering the loss of rewards with the grievous disapproval of the Lord at the judgment seat of God. (1Cor. 3:8ff, 2Cor. 5:8-10)
Yet this event does not occur until the Lord’s return, not commencing at death as is the case with purgatory. See http://peacebyjesus.witnesstoday.org/Bible/1Cor._3.html#Purgatory
And while we are to “Follow peace with all men, and holiness, without which no man shall see the Lord, (Hebrews 12:14) it was not because of interior goodness that man was justified by via regeneration, unless Abraham became born again when he believed God was worthy of faith, but faith was counted righteousness.
But as Abrahamic faith is one that effects holiness, thus a believer is known by his fruit, and no believer can claim saving faith that characteristically manifests impenitent disobedience
For instead a believer practices righteousness, and is to seek to have all the holiness in heart and practice which was imputed to him, and repent insofar as he does not. And I repent most often due to my heart, as in frustration that my stiff fingers have a hard time typing.