Ah, but that's one of many answers I've gotten from Catholics. I wish your church was clearer on its beliefs, or that Catholics took greater pains to understand it, because I've tried to pinpoint the matter by talking to Catholics, and it would appear that there are many different answers to the same question.
It should be said that many Catholics are not very scholarly in their understanding of their faith. And to be fair to them, a scholarly understanding of it won't affect their salvation (or the lack of the same).
I've been told that Catholics are saved by:
Faith
Which is true. But we need to define what faith is. For purposes of discussion, we could define it as "to believe in" something.
As sacred scripture attaches conditions to salvation (which we'll circle back to shortly) apart from a simple intellectual assent of Our Lord's lordship, it stands to reason that "faith alone" (as many Protestants tend to reckon it) isn't sufficient by itself for salvation as per the Catholic view of the matter.
To once again refer back to the Council of Trent, the Church believes that Our Lord is a redeemer in whom to trust, yes, but also a legislator whom we are to obey.
I'm sure it will come as no surprise to you that we take St. John 6 literally.
We similar take St. John 3:5 literally. Certainly the necessity of baptism as the ordinary means of salvation was the assumption of the Church Fathers.
As with the others above, we take St. John 20:19-23 literally.
This one intrigues me since the Rosary is a devotional exercise. I regard it as spiritually beneficial but I've never met or heard of anyone who regards the recitation of the Rosary as a prerequisite of salvation.
I am not accusing you of dishonesty. On the contrary, I'm merely using this as an opportunity to illustrate my earlier statement regarding the lack of qualified scholarship among Catholic laymen... a situation I remember existing in fairly similar numbers from my days as an evangelical.
All of this is to say... nobody's perfect.
Mmm, that one's a bit sticky. The Church teaches that it's possible for someone to go straight to Heaven after death. But for others, a stopover in Purgatory is what they need.
Understand, many non-Catholics seem to view Purgatory in terms of justification. This view is false. Purgatory isn't about justification; it's about sanctification.
1 Corinthians 3:5 shows the purpose of Purgatory. It's the testing and purification of someone which the passage itself acknowledges is going to Heaven no matter the outcome. Salvation is assured. But their attachment to sin must be done away with. Purgatory is the process whereby this mortal puts on immortality. Their sin nature must be
purged, hence Purgatory.
As I've said to others, I often think that if the Church had called it "Purgation" rather than Purgatory, some confusion on this might have been avoided.
This is stickier yet. In St. Matthew 6:12, an implicit connection between forgiving others is made between receiving God's forgiveness ourselves.
Separately, it's not uncommon in Protestant Christianity to find believers of good faith who regard good deeds to be evidence of their faith. There's even a tacit acknowledgement of that in sacred scripture. By their fruits, you shall know them. A good true does not produce bad fruit. If someone truly belongs to the Lord, sooner or later their actions will show that.
One Catholic I talked to said she counted about eight different answers to that question from within her church, and when she asked her priest on different occasions she got three different answers.
As you can see, the answer is rather complex.
So, pardon me if I do accept your answer only partially.
You are pardoned.
Your answer may be true, but more Catholics need to hear, understand and accept that one truth.
I'm not sure I agree with that at all. Not everybody is cut out to be an apologist for the faith. I shall be blunt while trying to be as polite as possible.
Put simply, some people just don't have the brains to be an apologist for whatever religion they follow. And at least in the Catholic Church, that isn't a problem. These folks attend the same Mass as me, they hear the same scripture readings, they sing the same hymns and they receive the same sacraments.
But my aptitudes are different from theirs. Loads of people out there have a huge aptitude for things I'm no good at. Their charism is different from mine. But that doesn't invalidate my charism or theirs. It simply means I'm good at some things which others aren't and they're good at things I'm not.
Further elaboration on this might require bending this sub-forum's rules against teaching against the Baptist tradition.
So I'll close this part by saying that you're right to suggest that a lot of Catholics don't know their faith very well. Or at least they're not very good at articulating it. But I humbly disagree that all Catholics are called to lay-apologists, that's all.
Either that, or you're mincing words.
Does it look to you like I've minced words in this discussion?

Hopefully I've been polite but I've tried my best not to obfuscate anything.
Over-all, Catholicism looks very works-based to me.
I think a more nuanced view of Catholicism would be that it's very obedience-based. Being a Catholic requires submission. It's a constant reminder of how small I am. I am to submit to the authorities (including the spiritual ones) which God has placed in my life. If I can't submit to and obey them, how can I possibly submit to and obey God?
Well, I wouldn't expect Baptists to be reading it, generally.
You'd be quite surprised then.
I've read such things, occasionally, in other groups' forums, but I did not respond,
That's quite mature of you, actually.
(Sometimes I accidentally participate in the wrong forum, not noticing where I am).
Oy, tell me about it.
Perhaps we understand you better than you realize. Sometimes a person has to stand back to get a better view.
Amusing. But no, I'm a convert. I've examined the Catholic Church from the outside and from the inside. It's legit. I was amazed to discover that every Catholic doctrine with which I disagreed had a considerable ring of logic behind it.