In a strictly by-the-book sense, if a person dies in the state of mortal sin, he/she goes to Hell.
But in one’s final judgement, might God assess a person’s overall life and perhaps exercise some discretion? Could He say “Well, you committed one or two moral sins in your life that you never received absolution for, but all-in-all you were basically a good person so I’ll send you to Purgatory instead.”
After all, God has the final say-so. Might He possibly “commute your sentence?”
I don’t think our final judgment plays out in that manner - a weighing of the good vs the bad acts in our life, or some sort of mental calculation of the overall balance of the sum total of our deeds.
Rather, I think it will be more of an encounter that centers around identification. In other words, either God will recognize Himself in you, or He won’t. He will look at you, you will look at Him. If He sees an image of Himself looking back at Him, He will purify you and prepare you for eternity with Himself. If He does not see this image, He will grant your final desire to reject Him for all eternity.
How your soul appears to Him will be the sum total of your life choices and inclinations. Those bad choices in your life which His Church interprets for us as mortally harmful are critical choices that strip us of the grace within us that would otherwise have allowed us to be identifiable to Him at our judgment.
If we die in mortal sin, our encounter with God is repulsive to our soul. Our soul rejects Him, just as it did when we committed the grave sin while alive on earth.
A rebound question for you would be…
if you are carrying around one or two unrepented mortal sins, why would you think that your own soul would desire God at the final judgment? That is counter-intuitive. If you find no remorse or contrition for having deeply offended your Creator while on earth, why do you think you would suddenly desire eternity with Him upon your death? If you think that’s because of a fear of Hell, then I would offer this to reflect on: I don’t think we possess the type of fear of Hell at our judgment like we do when we’re alive. At our judgment, it is either an infinite attraction to our Lord, or an infinite repulsion from Him. We don’t sit there and contemplate the tortures and sufferings of Hell and reflect upon God’s mercy and love for us. Those are things for this side of heaven. On the other side, our soul’s have made their decision. It is final. And although we will likely realize with terror the eternal consequences of Hell, we do not beg for mercy. We flee from the fire of His infinite Love as fast as we can, because our soul is unrepentant, just as it was when we were alive.
Bottom line, the choices you make right now shape your soul. They allow it to contain God’s grace, or they fashion it with holes that spill it all out. When you die, no more shaping. It is a finished vessel. One that contains an image of God within it, or one that doesn’t. If you have an unrepented mortal sin on your soul right now, you have deliberately punctured it with a hole that drains out His image in you. Your soul, in that moment, rejects Him.