One big problem today is that many Christian know a lot of theology, but do not apply it and incorporate into their lives.I've heard Alister Begg make similar distinctions, even my dear former opc pastor ...
I'm not starting this thread to stir up anxiety, but look at all the young, restless and reformed whose correct theology has ultimately left them cold. If we believe in perseverance why are so many falling prey to the spirit of the times? I'm sure there are distinctions between fruitful Christians, Christians who show less fruit but still saved, and those who are merely seeking an insurance policy and see no need for a true and radical change and deliverance from their sin and unbelief ...they are not the least uncomfortable in the midst of unbelievers.
As for myself, it is not till I've been afflicted do I understand how low Jesus truly ranks... My self love just begs for a good chastisement sometimes