Your comment; “Grace is not in effect unless there is sin.
If Mary was full of grace, it was because she was a sinner.”
Your personal opinion. Not theologically correct.
https://www.catholic.com/encyclopedia/grace
Grace (gratia, [Gr.] charis), in general, is a supernatural gift of God to intellectual creatures (men, angels) for their eternal salvation, whether the latter be furthered and attained through salutary acts or a state of holiness. Eternal salvation itself consists in heavenly bliss resulting from the intuitive knowledge of the Triune God, who to the one not endowed with grace “inhabiteth light inaccessible” (I Tim., vi, 16).
In the process of justification we must distinguish two periods: first, the preparatory acts or dispositions (faith, fear, hope, etc.); then the last, decisive moment of the transformation of the sinner from the state of sin to that of justification or sanctifying grace, which may be called the active justification (actus justificationis); with this the real process comes to an end, and the state of habitual holiness and sonship of God begins. Touching both of these periods there has existed, and still exists, in part, a great conflict of opinion between Catholicism and Protestantism. This conflict may be reduced to four differences of teaching. By a justifying faith the Church understands qualitatively the theoretical faith in the truths of Revelation, and demands over and above this faith other acts of preparation for justification. Protestantism, on the other hand, reduces the process of justification to merely a fiduciary faith; and maintains that this faith, exclusive even of good works, is all-sufficient for justification, laying great stress upon the scriptural statement sola fides justificat. The Church teaches that justification consists of an actual obliteration of sin and an interior sanctification. Protestantism, on the other hand, makes of the forgiveness of sin merely a concealment of it, so to speak; and of the sanctification a forensic declaration of justification, or an external imputation of the justice of Christ. In the presentation of the process of justification, we will everywhere note this fourfold confessional conflict.
I would also recommend you read Galatians and Colossians.
My other recommendation is to not use any commentary....just read the text for yourself.
Ask yourself the following question.
If Jesus' death on the cross was sufficient to cover all of my sins...past, present and future....then what deed can I do that equals that?
The Church teaches that justification consists of an actual obliteration of sin and an interior sanctification. Protestantism, on the other hand, makes of the forgiveness of sin merely a concealment of it, so to speak; and of the sanctification a forensic declaration of justification, or an external imputation of the justice of Christ.
Your personal opinion. Not theologically correct. Classic Protestantism teaches that justification does not happen until there is regeneration (I believe faith comes first, by grace) which leads to purification by faith - the very change Catholicism holds makes the baptized "formally justified and made holy by his own personal justice and holiness.” ( Catholic Encyclopedia>Sanctifying Grace)
But since - despite the claim of actual obliteration of sin by the very act of baptism - the sin nature is alive and well, and has its outworking, then unless before he dies the soul attains to the rare state of being good enough in character to enter Heaven, including free from any attachment to sin, then the Catholic must endure purifying torments commencing at death, which Scripture nowhere teaches for the believer (want evidence to the contrary?).
Going back to the Catholic description Protestant justification merely making "the forgiveness of sin merely a concealment of it, so to speak, Calvin states,
To prove the first point—that God justifies not only by pardoning but by regenerating—he (Osiander) asks whether God leaves as they were by nature those whom he justifies, changing none of their vices. This is exceedingly easy to answer; as Christ cannot be torn into parts, so these two which we perceive in him together and conjointly are inseparable—namely, righteousness and sanctification.
Whomever, therefore, God receives into grace, on them he at the same time bestows the spirit of adoption [Rom. 8:15], by whose power he remakes them to his own image...The grace of justification is not separated from regeneration, although they are things distinct - John Calvin, Institutes of the Christian Religion. Found in The Library of Christian Classics (Philadelphia: Westminster, 1960), Volume XIX, Book III, Chp. XI.6,11; pp. 732, 739; https://www.christiantruth.com/articles/gospelregeneration.html
R.C. Sproul observes: Technically the term justification does refer to the declarative judicial act of God and not to the person who receives the benefit of this declarative act and is said to be justified. The declaration changes the status of the believer and not his or her nature. However, as John Gerstner relentlessly points out, it is not a declaration about or directed toward people who are not changed in their constituent nature. God never declares a change in the status of people who are unchanged in nature...The antinomian error (assumes) that God justifies people who are and remain unchanged. All who are justified possess faith. Faith abides as a necessary condition for justification. All who have faith are regenerate. Reformed theology sees regeneration as a necessary condition for faith. All who are regenerated are changed in their natures.
It is not change in our nature wrought by regeneration or our faith that flows from it that is the ground of our justification. That remains solely the imputation of the righteousness of Christ. But that righteousness is not imputed to unbelieving or unregenerate persons. (Justification by Faith Alone, Don Kistler, Ed. (Morgan: Soli Deo Gloria, 1995), The Forensic Nature of Justification, pp. 43-45).
The last statement is particularly opposed to Rome's salvation by grace thru works, in which one must actually become good enough to be with God, thus necessitating the invention of RC Purgatory. .
The Catholic Encyclopedia states that St. Augustine "describes two conditions of men; "some there are who have departed this life, not so bad as to be deemed unworthy of mercy, nor so good as to be entitled to immediate happiness" etc.
And thus by the close of the fourth century was taught "a place of purgation..from which when purified they "were admitted unto the Holy Mount of the Lord". For " they were "not so good as to be entitled to eternal happiness". - CATHOLIC ENCYCLOPEDIA: Purgatory
Likewise Catholic professor Peter Kreeft states,
"...we will go to Purgatory first, and then to Heaven after we are purged of all selfishness and bad habits and character faults." Peter Kreeft, Because God Is Real: Sixteen Questions, One Answer, p. 224
However, wherever Scripture clearly speak of the next conscious reality for believers then it is with the Lord, (Lk. 23:43 [cf. 2Cor. 12:4; Rv. 2:7]; Phil 1:23; 2Cor. 5:8 [“we”]; 1Cor. 15:51ff'; 1Thess. 4:17) Note in the latter case all believers were assured that if the Lord returned, which they expected in their lifetime, so would they “ever be with the Lord,” though they were still undergoing growth in grace, as was Paul. (Phil. 3:7f)
And the next transformative experience that is manifestly taught is that of being like Christ in the resurrection. (1Jn. 3:2; Rm. 8:23; 1Co 15:53,54; 2Co. 2-4) At which time is the judgment seat of Christ, which is the only suffering after this life, which does not begin at death, but awaits the Lord's return, (1 Corinthians 4:5; 2 Timothy. 4:1,8; Revelation 11:18; Matthew 25:31-46; 1 Peter 1:7; 5:4) and is the suffering of the loss of rewards (and the Lord's displeasure) due to the manner of material one built the church with, which one is saved despite the loss of such, not because of. (1 Corinthians 3:8ff)
In addition, the whole premise that suffering itself perfects a person is specious, since testing of character requires being able to choose btwn alternatives, and which this world provides. Thus it is only this world that Scripture peaks of here development of character, such as "Wherein ye greatly rejoice, though now for a season, if need be, ye are in heaviness through manifold temptations." (1 Peter 1:6)
And even in making the Lord "perfect" as in experiencing testing, being "in all points tempted like as we are, yet without sin," (Hebrews 4:15) then it was in this world: "For it became him, for whom are all things, and by whom are all things, in bringing many sons unto glory, to make the captain of their salvation perfect through sufferings." (Hebrews 2:10) ter 1:6)
And even in making the Lord "perfect" as in experiencing testing, being "in all points tempted like as we are, yet without sin," (Hebrews 4:15) then it was in this world: "For it became him, for whom are all things, and by whom are all things, in bringing many sons unto glory, to make the captain of their salvation perfect through sufferings." (Hebrews 2:10) :7; 5:4) and is the suffering of the loss of rewards (and the Lord's displeasure) due to the manner of material one built the church with, which one is saved despite the loss of such, not because of. (1 Corinthians 3:8ff)
In addition, the whole premise that suffering itself perfects a person is specious, since testing of character requires being able to choose btwn alternatives, and which this world provides. Thus it is only this world that Scripture peaks of here development of character, such as "Wherein ye greatly rejoice, though now for a season, if need be, ye are in heaviness through manifold temptations." (1 Peter 1:6)
And even in making the Lord "perfect" as in experiencing testing, being "in all points tempted like as we are, yet without sin," (Hebrews 4:15) then it was in this world: "For it became him, for whom are all things, and by whom are all things, in bringing many sons unto glory, to make the captain of their salvation perfect through sufferings." (Hebrews 2:10)