There is a place for those who have believed in Jesus, but did not live his Word, other then Hell. Such people will not go to Hell, because Jesus said those people would be saved.
Paul said a sinner would never enter the kingdom of God.
(1 Corinthians 6:9-19) You know perfectly well that people who do wrong will not inherit the Kingdom of God: people of immoral lives, idolaters, adulterers, catamites, sodomites, thieves, usurers, drunkards, slanders and swindlers will never inherit the kingdom of God.
Jesus told us that one had to live the will of the Father to get into Heaven. Sinning is not living the Fathers will.
(Matthew 7:21-23) It is not those who say to me, Lord, Lord, who will enter the kingdom of Heaven but the person who does the will of My Father in Heaven___________
What can one be saved from, but Hell? People who do not live Gods Word will not enter the kingdom of Heaven, so there has to be another place.
I believe this other place is where those who did not live Gods Word will be forever.
I also believe that those who will not enter Heaven, nor go to Hell will be punished justly for their sins forever.
(Hebrews 10:26-31) If, after we have been given knowledge of the truth, we should deliberately commit any sins, then there is no longer any sacrifice for them. There is left only the dreadful prospect of judgment and of the fiery wrath that is to devour your enemies. --------
Notice Hebrews does not say Hell.
Your belief and understanding seems to indicate a permanent "place", neither heaven not hell. This is not the Church's understanding or teaching of purgation which would be a temporary state for the elect so that they may be made clean. The duration and nature are not known, but only postulated.
This is interesting. What you have described here is pretty close to my understanding of purgatory when I was what I would call a "spiritual seeker". It is likely a prevalent notion among those who would not identify as Catholic or Protestant. Not firmly deposited in any particular religion. As I kept gravitating closer to Rome, and my cathechesis began in earnest, I developed an understanding in union with the Church.
Ultimately, I'm discovering, no matter what the topic is on these forums, it really just ends up boiling down to one thing. Whether or not a Christian acknowledges and accepts that the Catholic Church is one Holy, Catholic and Apostolic Church begun by Jesus Christ. If one accepts this truly, then they are in "communion" with the invested teaching authority of her Bishops as the successors of the Apostles, and if not, then they attach themselves to the notions of some denomination of the Church, or a non-denominational group of some sort. I've had some correspondence with some Christians who belong to no group at all. They just sit alone at home and read the bible with no guidance whatsoever, and come to forums, (usually holypal.com), and present all new Christian faith traditions based on their own interpretations.
I came to believe that Jesus didn't desire a Church divided into thousands of fragments. That He desired us to be universal, whole and one. To be presented to the Father as one when He returns. After some study and prayer, this left the Catholic Church, and the Eastern Orthodox. The Orthodox stopped holding eccumenical councils, but attend those of the Catholic Church. I think about the see of St. Peter, and how Peter was thought of among the Apostles, and so forth. Oh I don't want to get into my whole conversion story here. The point is, if one finds themselves in the Catholic Church, there is the blessing dogmas, and obedience. A heavy burden is lifted.
The fact of purgatory has come to be dogmatically defined. As a Catholic, I don't have to sweat it. The heavy lifting has already been done. I only need to be obedient to the teaching. To exercise humility.
I come to forums to learn mostly how to articulate from others who are Catholic. And also to share the gospel as much as I am granted ability to do so by our Lord.
Thank you for sharing your understanding of purgatory, and may God bless you on your continued journey.