Yes, Jehanne, understanding the Old dispensation correctly is really the key to seeing why modern rigorists have got it wrong. John of St. Thomas and several others whom the Church has signally honored comments precisely in that vein on the passage you cite. Bowler does not know what he is talking about.
At the same time, with St. Thomas and other Doctors, we should say, as a pious and probable opinion, if anyone sincerely loves God, in the New dispensation, although he can be immediately justified, still God will lead Him to explicit faith in Jesus, at least by an interior illumination, before the end of his life. But we are informed by every single authority who has written on the question, including after and before the Magisterial teaching of Pius IX on the subject, that this is only a point of pious and probable belief.