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You do know that you don't have to believe everything in the Bible to be a Christian, right? You just described more the mindset of Catholics than Protestants. Catholics believe(from my personal understanding) that if you do this wrong or you don't do this, then you go to Hell. In a way like karma I guess.
Yet if you're saved, everything will be alright.
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Actually as long as you are truly sorry at judgement you should be ok as long as it's not something serious like murder or rape (I guess those are good ones to note)
They also say that if you aren't christian and you live an alright life you should be good as well. I'm not sure why people think Catholics are strict in rules, they really aren't.