The Bible in Jeremiah 17:9 says the heart is deceitful and wicked, so I disagree with that part of your statement. You will have to define what you mean, by “having heard the word, keep it” because your thoughts on that phrase, may be different than mine. It still sounds like salvation by works, rather than salvation producing good works.
Did you run that by a priest first, or did you do a YOPIOS? I do that all the time, but then again, I can do that, since I am not a Catholic. I was a Catholic in the distant past, and was told I needed a priest, to interpret scripture. Now, I do YOPIOS all the time. It works for me.