I believe those who have never heard the saving message of Jesus -- and those who have heard, but have not understood it for whatever reason -- are judged eternally on the basis of what they do know and understand. The Father of Jesus is a Father of mercy.
Now those who have heard the message of Jesus, understood it and rejected it? I have to leave that matter in God's more capable hands. But I would prefer that they surrendered on this issue and entered the Savior's embrace.
One thing is sure. Christians enjoy the sport of separating the Saints from the Ain'ts far too much.
I agree with yourself and Soulty here. Salvation should not be an epic 'herculean' task, it is about knowing and acting not just believing and it should never be exclusive, it should never be yours just to 'have' or presume to 'have' (or to start dictating to others how you get it!)
God is mercy and a merciful God does not cast someone into damnation or salvation at the end of their days without 'due process.' And I always like the legal analogy here, if you commit a crime you are not punished without due process in which you are then answerable to the law. Why should we have a democracy in life but an authoritarian God in death? I believe that death is when God is revealed to you whether you believe in him in life or not. And if it takes you until that moment to accept him, then he will show you mercy. But if you accepted him in life, and his revelation is a confirmation of what you knew to be true but you did everything contrary to what he wished for you, then don't expect to stroll through the pearly gates just because you 'believed.' But even then, and I do believe in purgatory, you get the chance to make good and if you were loved in life then as a Catholic I pray for the souls of the dead so that they can be closer to God. They may already be there, but who are we to know?
For those who don;t know God or believe in God, he is the 'creator.' Now this doesn't mean he is a
creationist and the process of evolution is entirely compatable with God's role, but he is the one who established nature, and love and emotion and kindness and every facet of the known universe. If you respect him through what he created, even if you do not know him then you still get the chance. In short, if you do what is expected of you without knowing God, you still get the chance to accept him when your time here is up.
So says me anyways