Before I agree with you, let me be very clear, suicide is a grave and possibly mortal sin, anyone contemplating it is probably not going to fall into the exemption category, those, I would guess, are more for the guy on drugs that jumps out a window, or someone who finds out their spouse has left them and before they had time to really think, took their lives.
Anyone who commits suicide is in grave danger of losing their souls.
Now, that being said, I have also heard, from Mystic’s and NDE’s (although I’d be very hard pressed to find the source at this moment, not sure where exactly it was or who said it so I cannot at this time give good credibility to the following statements) that yes Jesus presents Himself to the soul three times after death. If the soul accepts Him, great, if not He goes away, this is done three times, and if there is a third rejection, the soul is sentenced (probably to eternal damnation, I’d guess).
Now another couple things, first off, we should not and are required not to depend on this type of salvation from our Lord. He shows us the true path, and expects us to follow it. I believe, whoever it was that was saying this, was talking more about those who never knew Jesus or basically never had an opportunity to know Him in this life. That He presents Himself to the soul in the milliseconds before actual death because during life, He was never presented to the person.
This is not something that informed Catholics should be depending on. Nor anyone for that matter.
Now also since you wanted to bring up St. Paul, I’ll give you a Jesus and judas example. Judas could truly be said of that he was not in his right mind and therefore couldn’t be held responsible for his suicide. Furthermore it could be argued that because he tried to get Jesus free, and gave back the 30 pieces of silver he had true repentance. So can judas be in heaven. I will not say yes or no, but I will say that Jesus Himself says, “woe to him that betrays the Son of Man, it would have been better if he had never been born” I think that’s a clear indication of where judas probably ended up, for what sin, I don’t think anyone can tell you that, was it the betrayal, or the suicide or something else entirely, I’m not sure. Maybe he is in heaven, all we can really do is pray and trust and hope in God’s Divine Mercy.