I mean "judged" and leave it at that. I don't dare to presume how God will judge, only that He will.
Is hell "endless torment"? Well, we need to define first endless torment before I can give an honest answer.
Is anything else heresy? Well, anything that denies the theology found in the Apostles' Creed when combined with that Jesus says to St. Dismas (the Repentant Thief) would seem to be clearly unorthodox.
What do I mean by this? Well, what did He say? "Today you will be with me in paradise". Well, paradise in 1st century ce Jewish and Christian theology was the "good half" of sheol; it was also known as Abraham's Bosom, and we know this from extrabiblical writing; the historical record of the time. Other writings, including those of the Bible, show this as well, like the Parable of Dives (the Rich Man) and Lazarus. Since Jesus had not ascended, where did He go? To the immediate afterlife, where he took Dismas, Abraham, and all the righteous dead with Him. The Gospel even said that people had been raised when Jesus passed.
This shows what happens when we die: there's NO immediate heaven or hell. And the Apostles' Creed says that we go to "infernos", which isn't hell, but hades. And since there is no heaven or hell under after the Judgment, and no Judgment until after the Resurrection, and no Resurrection until Christ's Second Advent (according to the Nicene Creed), then it is logical to conclude that our souls go to sheol/hades and will be raised upon the resurrected to our reconstituted bodies when Christ comes again, and then we shall be Judged and then experience either heaven or hell.
As for your last question, it is based on the presupposition that my comment had anything to do with merit. All my post says is that there will be Judgment, which is found throughout the Holy Writ. So I don't see how that is at all questionable.