That’s right.
The righteous requirements of the Law were fulfilled in Christ, and then are imputed to us when we accept Christ and have HIS righteousness credited to our account, and we are IN CHRIST.
THEN God looks as us and sees only the righteousness of Christ, who fulfilled the law perfectly, and not out own righteousness, which is as a filthy rag in His sight.
That is not what He said. I see this common instinct to justify oneself by reinterpreting what He said to fit one's personal religious practice, preferences, doctrines, etc. rather than simply believing what He said like a little child and obeying.