This should answer the Purgatory part…
**FROM CATHOLIC ANSWERS: **
HOW TO ARGUE THE EXISTENCE OF PURGATORY
**But purgatory implies that Christ’s sacrifice was not sufficient, that he didn’t finish the work of redemption on Calvary. Why do Catholics feel the need to add to it by doing more work in purgatory? **
This objection is based on a pair of erroneous presumptions: That progressive sanctification and suffering take away from Christ’s work on Calvary and that the Church teaches that purgatory is work.
To address the second objection first, purgatory is not a place for those bad Catholics who didn’t finish working their way to heaven while on earth. “For by grace you have been saved by faith; and this is not your own doing, it is the gift of God—not because of works, lest any man should boast” (Eph. 2:8–9). The purification that takes place in purgatory is purely a work of God’s grace, since there is no chance for merit after death, and the judgment of each individual is based solely upon their earthly life. But regardless of where Christ purifies men, it is precisely because his sacrifice was sufficient that each believer can be perfected.
Though Christ paid the infinite debt of man’s sins 2,000 years ago, the sanctification process in the life of each Christian continues. In 1 Thessalonians 5:23, Paul tells the faithful, “May the God of peace himself sanctify you wholly; and may your spirit and soul and body be kept sound and blameless at the coming of our Lord Jesus Christ.” According to Scripture, sanctification is a thing of the past (1 Cor. 6:11), present (1 Thess. 4:3), and future (1 Thess. 5:23) in the Christian life.
This process often involves suffering, as Paul indicates: “Let us also lay aside every weight, and sin which clings so closely, and let us run with perseverance the race that is set before us, looking to Jesus as the pioneer and perfecter of our faith, for the joy that was set before him, endured the cross. . . . ‘My son, do not regard lightly the discipline of the Lord, nor lose courage when you are punished by him. For the Lord disciplines whom he loves, and chastises every son whom he receives. [God] disciplines us for our good, that we may share his holiness. For the moment all discipline seems painful rather than pleasant; later it yields the peaceful fruit of righteousness to those who have been trained by it” (Heb. 12:1–12).
Therefore, the presence of suffering does not detract from Christ’s sacrifice. In fact, there is only one mention in all of Scripture of something “lacking in Christ’s afflictions,” and that missing link is the suffering of his mystical body, the Church (Col. 1:24).