I suppose the question of the existence of Purgatory stems from the question of to what extent the sanctification process can continue after death. You talk of being glorified when you get hit by a truck. OK: two questions flow from that:
1. How are you glorified ie: what does that mean, explain your understanding of that event/process?
2. If I see the truck hurtling towards me and shout "oh [insert curse word]" just before it wipes the floor with me, would I be 'ready' to stand face to face with my Lord and my God? Yes, that last sin is forgiven, but the fact is that I've died with a naughty word on my lips. Can I really go straight into His presence, look Him in the eye and, as it were, kiss Him with those same lips?
To answer question one, when the front bumper and grill hit my body, and parts go flying, my heart stops beating. At that point, absent from the body, if there is a body left, is present with the Lord. (in Pauls writings) In the presence of the Lord, we are no longer in a sinful body or world, so we are made perfect. Now, at some point further in the future (if there is such a word in eternity), there is a resurrection where spiritual body and soul. That is another thread, and many theories and opinions on that abound that transcend denomination, like is being debated here. My point is, once in the presence of the Lord, glorification as written about in Romans has taken place, after death. There is no detours, passing go or collecting $200. I could not tell you exactly how this is experienced or how the Lord does it, but He does it. Sanctification ends at death. Perfect is perfect.
2. I am sure we are going to disagree on this last point, but regardless if I said oh sugar, or something else, then the outcome is the same. The completed work of Jesus Christ on the cross is all that was needed. Now, there is a big difference in a one time event like that and a life style, to use your example, of sinning. That is an indicator (since we never know for sure about another individual) of never having a relationship with the Lord. That is the dividing line. Are you a child of God covered by the blood of Jesus through faith? Do's and dont's are not a factor in that case. Those who continue in the life style of a lost person are probably still lost, and the profession was not real. This is getting back to the relationship between faith and works.