There are many who realize their sin and receive Christ as Savior and do not receive any discipleship, no church, no Bible, and will eventually fall back into the world through circumstances of life. Their works will be burned at the judgment seat of Christ, receive no rewards, but are saved eternally.
I assume you base your statement above on your interpretation of I Corinthians 3.However,a proper examination of that passage shows it contradicts the position you hold.
I Corinthians 3,is a passage used by proponents to support the, "Once saved always saved", doctrine.They claim it supports the teaching that whereas lack of good works or the presence of sin will result in a loss of rewards these cannot affect the salvation of a saint.Below is an example of a discussion with a proponent of the doctrine and the explanation of the works of I Corinthians 3.The argument is similar to your own.
J. F. wrote: "We know that saved or unsaved, we will all give an account to the Lord - the saved at the Judgment Seat of Christ (BEMA judgment) and the unsaved at the Great White Throne judgment. At those judgments our works will be tried to see if they are of any value - not unto salvation but unto reward (Bema Judgment) or condemnation (Great White Throne) 1 Cor 3:13-15."
The passage is taken out of context.The context is Paul's and others labour for the Lord.He spoke of the different ways in which they all worked to build the "building" of God.
"For we are labourers together with God:ye are God's husbandry,ye are God's building."(I Corinthians 3:9)
It is the make up of the building which is going to be tried i.e. the gold,silver,hay etc. This represents the persons/assemblies brought to the Lord by Paul and others.(See also II Timothy 2:19-21)
If the make up of the building abides in the time of being tried by fire, then the labourer will receive a reward because of this.If however it does not, he will not receive a reward but this will not affect his salvation.(I Corinthians 3:12-15)
The work being referred to here is their work in building God's temple.(I Corinthians 3:16,17) ]
It is about Paul's and other's work in building God's building.It is about those who by their work, came to the Lord.(ICorinthians 3:5,6) He called himself a masterbuilder and others build.(I Corinthians 3:10-12)
This represents the persons/assemblies brought to the Lord by Paul and others.Or as Paul says:"Who then is Paul,and who is Apollos,but ministers by whom ye believed,even as the Lord gave to every man."(I Corinthians 3:5)
"...for in Christ Jesus I have begotten you through the gospel."(ICorinthians 4:15)
It is not efforts which will be tried,but the make-up of the building,ie. the work produced.(I Corinthians 3:12-15).
This in fact,rather than supporting the OSAS doctrine,is showing that some of those brought to the Lord(the saved) through Paul etc. are wood,hay and stubble and hence will not survive the fire when they are tried.Paul etc. will suffer a loss where those brought to the Lord are concerned and hence their rewards, but this will not affect Paul's salvation if he endures the fire himself.