First of all, I did not say that most Mormons are saved. What I said was, "quite a few of them" are. You might want to get your facts straight before going on another rant. No offense meant.
On to your next point, many people in the Bible, including Moses and Job, "saw God". ("I have heard of thee by the hearing of the ear: but now mine eye seeth thee." - Job 42:5 | "And when Abram was ninety years old and nine, the LORD appeared to Abram, and said unto him, I am the Almighty God; walk before me, and be thou perfect." - Genesis 17:1) Most of those references refer to the Glory of God, or some physical manifestation of God, so I really don't think you have a valid point there. I'm not here to argue the accuracy of Joseph Smith's testimony; I don't know enough about him to debate it, but I can see where that part could have happened as he recorded it.
You say that we "will all be held accountable for what we believe", then go on to state that faith is by Grace, not works. If we will be held accountable for anything, then faith is of works, and not Grace. I don't know if that was an error on your part or not, but it is incorrect.
What John is talking about in that Scripture you mentioned, is that people who preach a perverted gospel should not be allowed to teach, or cause contention, in the Church. Do you think that God expects every born again one to just magically get everything right? No, and, in fact, in Acts 18:26: "And he (Apollos) began to speak boldly in the synagogue: whom when Aquila and Priscilla had heard, they took him unto them, and expounded unto him the way of God more perfectly." Aquila and Priscilla didn't avoid Apollos, nor did they bash him, they took him in and "expounded unto him the way of God more perfectly." It doesn't matter what gospel people preach/believe; if they are of the Household of Christ, they are brethren, to be taught and built up. Also, I understand what you said about not blindly following some doctrine, but earnestly seeking the truth. What I'm saying is that the well established members of the Church should not shun those who are seeking. Maybe you don't understand this, but it is very difficult to break out of something you have been taught your whole life; give them some slack, would you? If someone is diligently seeking the truth, they will find it one way or another. "Who art thou that judgest another man's servant? to his own master he standeth or falleth. Yea, he shall be holden up: for God is able to make him stand." - Romans 14:4
Well, now that my rant is over, I just want to say thanks for your post; debate can be healthy, though at the end of the day, we, as members of the Church, need to stand united in the service of our Father, not estranging each other through pointless debates.
-Jon