http://www.cin.org/users/james/files/faith_al.htm
Is your position(s) sola fide formata or sola fide informis? If it's sola fide formata, I'll go away...
My Protestant brethren are going to be quite amazed that the Roman Church believes in Sola Fide (formata)
Two interesting things in this.
One the Romanists have always jumped up and down when the word alone was mentioned.
That word is never used they say (Luther wrote in the margin of his Bible) so the concept is a false one.
Now, it seems that the RCC held to it all along!
Second, no object (Christ alone) of the faith is mentioned (and this is the issue in James).
Thus, according to Rome, salvation comes through the Roman Church and not be faith in the saving work of the Lord Jesus Christ and His blood atonement (Rom.3:25, Eph.2:8-9)
The issue that you raise between formata and informis is one debated on the Lordship issue between Protestants (what faith is and is not)
If you are saying that if one can have such a sola fide formata faith outside of the RCC (and its Sacraments) then you are saying one can saved without the RCC.
Is that what you are saying?
As for my personal view on the difference between the two, someone who comes to the point of salvation is under conviction by the Holy Spirit and has the Gospel revealed to him, the death, burial, and resurrection of Jesus Christ for his sins (1Cor.15:3-5) and must place his confidence in the shed blood of Christ for his eternal salvation.
If he does that he will be saved, and will have assurance of that salvation (1Jn.5:13).
He can only be saved if he is totally and completely trusting in the work and person of Christ and not anything he can do to 'help' God (e.g. take Sacraments like Baptism, Communion)