JonNC:
How then, does He wash one clean? Certainly not by what we do.
That is correct. And this is why we say grace is infused not imputed.
He gives us the grace and this grace actually has real ontological effects in the soul. The grace slowly transforms us into the image of Christ. This is how He washes us and makes us clean. He does not do it by declaring “You’re clean” which is what the forensic view of justification is.
Rather He gives us the grace to transform us and when we have been transformed He goes: “Aaah , at last you’re clean”.
I never thought of it as a dichotomy, except to describe what God does, and we do.
There is a real dichotomy and Protestant theologians have accepted that there is a dichotomy. They trace this to the fact that at the time of the reformation, Nominalist philosophy was in ascendant. Alister McGrath points out that this dichotomy is a theological novum, where before non existed.
As for Purgatory, if one describes it as a momentary cleansing at the time of death, as I have heard it described, I have no problem with that, either.
It may be momentary or not we do not know. What we do know is that there is a cleansing although some have actually not required this cleansing because prior to death, they were already completely transformed. There was no trace of self-love left, only love for God.
Honestly, I have never heard it called initial justification as a Lutheran.
I haven’t either until you used it.

It has always been referred to as justification and was clearly differentiated from sanctification.
Why would you think your understanding of sola fide is more valid than mine, coming from what I’ve been taught all my life?
Not that it is more valid. But that by definition and syntactically, I think my understanding conforms to the original intent.
Which brings me to something I was mulling about in the train yesterday.
By your reasoning, faith alone means that the work is God’s.
By the same token, it can be reasoned that Works Alone is correct if we view it from your lens because we can say that we are saved by works because this works do not come from us but are results of God’s grace being infused in us so that we can do the work He requires for our salvation.
So viewed from your vantage point, Faith Alone and Work Alone will have the same meaning.
God is indeed the one at work. And that is the point, when compared to those who say one can earn that justification.
Works is very necessary but it is not a case of us doing the work and God rewarding us for the work. More like grace makes us do the work that God wants us to do for this is the way He intends to save us.
I would explain it this way.
Let’s suppose that salvation meant getting to the top of the mountain. God has decreed that to get there we need to walk up there. But sin has left us weak and hungry such that by ourselves we will have neither the will or strength to make the climb. God however gives us the sustenance (grace) that is necessary so that we can be strengthened and so be able to make the climb.