I just realized you never directly answered my question: are Catholics saved by works? Yes? Or, no?
I think this is the perfect time to give you the summarized view of Catholic Sotierology.
God calls to each one of us throughout our lives in various ways to come to him. Those that accept this call and desire to do his will are baptized into the church in the name of the Father, the Son, and the Holy Spirit. This baptism is a convential relationship that is a pure gift for all those that ask. Those that are baptized are forgiven all prior sin, are given the grace to do good works and become members of the One, Holy, Catholic and Apostolic Church. In this way, they are saved by entering into the state of grace. And if we are in the state of grace at death, we will go to heaven.
But it is a covenential relationship. Once we are born again through baptism, we must do God’s will to stay in the state of grace, loving God and neighbor and avoiding mortal sin. If we turn from God through sin, we fall from Grace and will be condemned to hell. However, through God’s perfect mercy, we can be reconciled to him through the sacrament of reconciliation (confession) and regain the state of grace. Further, we can be strengthened against future sin, through prayer, good works, devotions and most especially, the eucharist. God, in his mercy, will always take us back as often as we are willing.
As I mentioned, if we die in the state of grace, we will go to heaven. However, if the tendency to sin has not been purged from us in life, we will go to purgatory first, where all tendency to sin will be eliminated because nothing unclean will enter heaven.
So you see, works do not save us. What saves us is our desire for God’s grace (Faith). But indeed, it is works of love that keep us safe. If you reflect upon 1Corinthians 13, you will understand that is the reason that Paul rates Love as more important than Faith and it also explains the urgency of James 2.
I hope this helps you understand better where we are coming from.