I think to get at the heart of the issue, it’s more beneficial to approach this from a different angle.
To be honest, I’ll admit that I have a hard time with accepting the sweepingly broad interpretation of “salvation outside the Church” and this is mostly because it defies common sense. Because if Jesus Christ came to earth as the only way of our salvation, and instituted the Sacraments and His Church for the specific intention of our salvation, then these must be the normal means of salvation for all human beings, “whether Jew or Greek”.
When saying “a moral and devout Jew can go to Heaven” it’s implied that he is a Jew because he refuses to accept an important truth, namely that Jesus Christ is the Messiah. It’s not much different than saying “a moral and upright atheist can go to Heaven” because in both cases, the person has rejected some truth that God has revealed to them, although the latter has rejected more truths.
And if the Jew and the atheist could get to Heaven simply by living a moral and upright life, then what use are our Sacraments? Why is there even a Catholic Church?
It’s another story altogether to say that a moral and upright Jew who never ever heard of Jesus Christ or the Catholic Church might have salvation somehow. If their ignorance of the Church was truly invincible, it doesn’t seem just that God wouldn’t give them a chance. But if there’s a Jew who lives next door to a Catholic Church and never joins it, it seems extremely improbable that this Jew has that invincible ignorance. One has to wonder what was going on in the mind of that Jew when he was offered and rejected entrance into God’s Church.
Or I can take an even better example from my own idiotic past. I was an atheist, and I claimed that I was one simply because of logic and reason and knowledge, which led me to conclude that the Catholic religion was false. However, after becoming a Catholic and examining my old reasoning, I saw that many of my arguments were excessively fallacious and this was often caused by either emotional rejections of God’s inspirations in my heart or some other mental rejection of Truth. How could I have been saved even if I lived a “moral and upright life” if these were my innermost rejections of God, based on hardness of heart and stubbornness and imagined self-sufficiency?