As God's love cures our character, we grow in true communion with Him, like how an imperfect child grows in being able to share and relate with Mom and Dan who love the child so much. So we are like the imperfect child who can have communion while not perfect, but has more and more perfect communion while the child grows with Mommy and Daddy

Correct; and He desires that we seek Him for the correction which He gives us, so we enter and grow and mature in His love making us in true communion with Him.
Jesus did die for our sins.
I offer that what you say here is more talking about first being reconciled with God > Romans 5:10 < but then comes how
"we shall be saved by His life." So, yes we trust in Jesus for all He did on Calvary and ask Him to forgive us and save us.
But then comes correction > Hebrews 12:4-11, and His love's perfection > 1 John 4:17 < how His love's life cures our nature so we become more and more loving like He is >
"as He is, so are we in this world."
And with this we learn how to relate with God and please Him > Matthew 11:28-30 > 1 Peter 3:4 > Colossians 3:15 > plus we learn how to relate with one another > Ephesians 4:2, 4:31-5:2, and other scriptures. So, the perfection comes with growing as family with God our Father and one another who are learning how to submit to God and relate with one another while helping one another in this.
So, no one can get into this perfection of loving, except by sharing in family loving with God and His children helping one another with this. So, it is not an individualistic, independent thing. Independence, then, can be an idol.
My opinion is you have asked a question about Christian life, versus actual philosophy. So, I have offered some things the Bible says about becoming and loving as a Christian. Oh, and your understanding, I'm willing to consider, is not flawed but learning . . . like we all will need to keep on doing

I think that what understanding you have offered shows some insight, and I think your offered explanation shows an effort to get some insight . . . even though you may not agree. You have understood how Christians believe that we humans are imperfect and therefore we need God, I think you have said.
Your understanding has gotten as far as "two steps" which are I would say actually the one step of becoming reconciled with God . . . so then we can get started in real the process of true perfection in God's love; and I have offered that there is more, which I have tried to summarize in a simple and maybe logical manner, with scriptures. In case I have >
Now we can go on to a philosophical question for Percivale >
If indeed God's main focus is to adopt sinners and change them into children who are pleasing to Him like His Son Jesus (Romans 8:29), and who share love with Him and one another as family, how does this effect your outlook on life in this world? Among other things, how does this effect, or should it effect, the priorities of our attention? And how much should we be concerned about suffering and fairness, versus investing attention in learning how to relate personally, as family? How does it effect your life's view of who should be getting our love (Matthew 5:46, 1 Timothy 2:1-4), and how much personal love each other human should be getting from us?