On this point, I would differ from you.
My Christianity is based on the righteousness of Christ, not me. (Which I know full well you understand) Since my righteousness is foreign, and I am a filthy rotten sinner, I know for a fact that there are many, many unsaved men who are better husbands than I, are better neighbors than I, are better at caring for the poor than I.
I'm not threatened by the fact that there are unsaved men who are morally superior to me because my weakness is covered by His strength. In short, I need a Savior. This is not theoretical. I NEED a Savior.