It's not about being perfect Steaver it's about being blameless. We will never be perfect this side of death. It is an impossibility. However we can be blameless. When I do mess up and I am convicted by the Holy Spirit I John says if I will confess my sins He is faithful and just to forgive me. That allows me to be blameless.I guess you won't avoid it either then. Unless you have been perfectly obedient and faithful in your lifetime so far.
But if I don't confess my sins when I am convicted then I have blame that will be on my account.
As far as knowing whether your work is wood, hay or stubble that is a difficult question to answer. I think the closer we get to being made into the image of Christ and being grown up from glory to glory the more we will be able to discern that. However Scripture tells us that there are some that will stand before the Judge on that day thinking they had works of righteousness, but they will in fact be told they were works of iniquity (wood, hay and stubble).