But what is being judged is whether the "faith" we claimed was a true faith.
I challenge you to produce just one 'final judgement' passage where 'faith' is even mentioned. Without exception, it's all about works. In fact, works are the very definer of the 'just' and the 'unjust':
15 having hope toward God, which these also themselves look for, that there shall be
a resurrection both of the just and unjust. Acts 24:15
28 Marvel not at this: for the hour cometh, in which all that are in the tombs shall hear his voice,
29 and shall come forth;
they that have done good, unto the resurrection of life; and
they that have done evil, unto the resurrection of judgment. Jn 5
It's good to be a Berean but a lot of serious men over hundreds of years have come up with conclusions reading the same scriptures you did. At least I would give them an honest hearing without blowing them off. Why should you think John Owen or Thomas Manton would be less of a Berean than you.
Then by all means, if that's what floats your boat, follow the herd, Dave. 'The herd' has 'gone to seed' with justification by faith alone. See if you can make out 'the two hearts' that God will render to according to their works, in the day when God shall judge the secrets of men.
5 but after
thy hardness and impenitent heart treasurest up for thyself
wrath in the day of wrath and revelation of
the righteous judgment of God;
6 who will render to every man according to his works:
7 to them that by patience in well-doing seek for glory and honor and incorruption,
eternal life:
8 but
unto them that are factious, and obey not the truth, but obey unrighteousness,
shall be wrath and indignation,
9 tribulation and anguish, upon every soul of man that worketh evil, of the Jew first, and also of the Greek;
10 but
glory and honor and peace to every man that worketh good, to the Jew first, and also to the Greek:
11 for
there is no respect of persons with God.
12 For as many as have sinned without law shall also perish without the law: and as many as have sinned under the law shall be judged by the law;
13 for not the hearers of the law are just before God, but
the doers of the law shall be justified:
14 (for when Gentiles that have not the law
do by nature the things of the law, these, not having the law, are the law unto themselves;
15 in that
they show the work of the law written in their hearts, their conscience bearing witness therewith, and their thoughts one with another accusing or else excusing
them);
16 in the day when God shall judge the secrets of men, according to my gospel, by Jesus Christ.
29 but he is a Jew who is one inwardly; and
circumcision is that of the heart, in the spirit not in the letter; whose praise is not of men, but of God. Ro 2