I can see from your questions that you have various misunderstandings or misconceptions of the Catholic Faith.
First off it is not a “club”. Jesus did not found a club…he founded a Church. Secondly…perhaps due to your misunderstanding in terms of it being a "club, the Catholic Faith is not about “rules”. Yes if it were a club…there would be “rules” to follow as a member of that club. And if it were a club there would yes be benefits that were for members. It is though not a club.
The Catholic Faith is not about “rules” it is about
Jesus of Nazareth the Christ! The Logos…the Son of God.
It is about being his disciples and living the truth and life he gives us. It is about following him…living his teachings. It is about living and bringing the glad tidings of
true life in him who was Crucified and is Risen from the dead. It is about joy of being in him.It is about worship of the Father and the Son and the Holy Spirit. It is about following the Logos…the Word of God…and reading and living his inspired Word. It is about celebrating his Sacraments…especially the Eucharist. It is about “walking in love”…living according to the Commandments…living the virtues. It is about living in communion and serving the poorest of the poor. etc etc. etc.
Following Jesus of Nazareth the Christ!
Now as to your other question. Where are you in all this? Well it seems that you were Baptized into the Catholic Church…perhaps even confirmed. You are thus a Catholic currently living as a Protestant. As to how God will judge what you know or do not know…etc well that is for God not for me. I have no window into your soul.
And as noted it seems you have a number of misconceptions in regards to the Catholic Church. So hopefully with time and study etc such will be cleared up.
And certainly I would propose to you to return to the full communion with the Catholic Church. (As a one who was outside and who was thus received so many years ago into full communion with the Catholic Church…). Within the Catholic Church one finds the fullness of what Jesus gave us…
A few readings for you this Lords Day (not to be skimmed):
vatican.va/holy_father/benedict_xvi/audiences/2006/documents/hf_ben-xvi_aud_20061108_en.html
vatican.va/holy_father/benedict_xvi/audiences/2008/documents/hf_ben-xvi_aud_20081119_en.html
vatican.va/holy_father/benedict_xvi/audiences/2008/documents/hf_ben-xvi_aud_20081126
vatican.va/holy_father/benedict_xvi/messages/urbi/documents/hf_ben-xvi_mes_20090412_urbi-easter_en.html
vatican.va/holy_father/benedict_xvi/audiences/2010/documents/hf_ben-xvi_aud_20100407_en.html
vatican.va/holy_father/benedict_xvi/homilies/2011/documents/hf_ben-xvi_hom_20110821_xxvi-gmg-madrid_en.html
vatican.va/holy_father/benedict_xvi/speeches/2011/august/documents/hf_ben-xvi_spe_20110818_accoglienza-giovani2-madrid_en.html