I think it is wonderful you believe that, because it is the Biblical truth of the Gospel. On the other hand, there are many Catholics on this forum who repeatedly quote James 2 to insist that we are saved by faith AND works. Can you understand why some non-Catholics here might get confused about what is actually believed in your religion?
heh heh heh. Faith and works.
The confusion stems (I think and hope) from an almost total breakdown of a common language as we see in the fact that many Catholics can't express their Faith in terms a Protestant could even begin to understand.
For that matter there are an abundance of Catholics who couldn't express their Faith in terms even they can understand. Nevertheless I'm not about to judge what's in the heart based on whether someone can trigger exactly the words I want to hear.
Without putting too much credence into what I'm about to write, let me tentatively suggest the following: When Catholics (especially Catholics who have never talked to a Protestant about these things) are talking about salvation odds are pretty high that they're really talking about what someone from a Wesleyan tradition would understand as sanctification. I'm not an authority on these matters though so I may be way off base and at the very least there's a great danger of over-simplification and of course the point I made about Catholics and Protestants no longer sharing a common language. If we ever did.
Words like salvation, sanctification, justification, predestination, etc., just aren't in the average Catholic's vocabulary. And certainly words like prayer and worship don't mean much of anything similar to Catholics and Protestants.