Confusion is caused by contradiction and error in the bible.
The Holy Scriptures are inspired, infallible, inerrant, contrary to your opinion. Translations from them into another language are not inspired and can have errors in grammar and/or interpretation. Your analysis of God's Plan of Salvation is incomplete, and so is your description of how "the institutional church" interpret it. That's why there many such denominations differing in doctrine, let alone hundreds of independent unaffiliated assemblies.
If you are saved through the atoning sacrifice of the Son of God, — there is no judgment . . .
Your screed misses on this, also, completely.
"But why dost thou judge thy brother? or why dost thou set at nought thy brother? for we shall all stand before the judgment seat of Christ" (Rom. 14:10 AV)
"For we must all appear before the judgment seat of Christ; that every one may receive the things done in his body,
according to that he hath done, whether it be good or bad" (2 Cor. 5:10 AV).
After the end of a believer's physical life, he/she will undergo judgment.
It looks like you need to take up Bible study more thoroughly with someone who knows how to disciple a baby Christian and can point you in the right direction before you get into more criticism matters.