CCC 2068 says nothing about merit. It lays out some things necessary for salvation but doesn’t delve into what salvation is or the nuances of what is going on when one obtains it. If you want to develop a better understanding of the Catholic view of salvation, you should start with CCC 1987-2029 (the article on justification, grace, and merit), not CCC 2068, which is discussing the importance of the Ten Commandments
after everything has been said on the nature of salvation.
Based on this, when we read CCC 2068, we should be coming into it with the understanding that that we:
- Cannot merit grace and salvation. That is, we can never work hard enough or well enough to earn God’s favor.
- God’s grace, while free, is not forced on the individual. The individual must freely receive and freely cooperate with grace rather than freely reject it.
The second point makes it clear that saying baptism or the Ten Commandments are necessary for salvation are not opposed to Catholic teaching, because they are how we receive and cooperate with God’s freely-offered grace. The first point, though, reigns us in to remind us that we are
recipients of grace and merit, not
earners of them. This reigning in is, unfortunately, where a lot of Protestant apologists get completely lost in trying to criticize the Catholic Church. They know that we believe works are necessary, but they miss
why those works are necessary.
By the way, I’m not trying to berate you. It’s a good question that gets into territory sort of foreign to many Protestants, particularly monergistic ones, so I can see why there’s confusion and had those myself when coming from Presbyterianism. I just sort of wish more Protestants would ask the question rather than quote mine the catechism and accuse us of not being Christian because, as I believe is well-demonstrated in this thread, quote mining can lead to some problems when dialoguing.