Basically you either do or do not believe that salvation is found in Christ alone. If you believe you need to add to His already finished work, you go to hell. Now, it's up to you if you want to believe that or not, but there have been many posts full of scripture, not to mention the OP that show you truth. If you want to turn your back on it, that's your problem.
We all agree in being obedient to our Lord as He directs our lives but this happens after we were obedient to the faith and believe in Him only and in His finished work for our salvation and NOT from ourselves.
This just drives the D.I.Y. self-righteousness/holiness mindset crazy. The gospel of the grace of Christ is offensive to the religious mindset and it always will be because it is at odds with their own self efforts for righteousness.