Assuming that "Lord, I love you" being his last words were not fake news (very common from the Vatican deceivers), indeed some emotional movement of love by itself does not suffice for salvation, but only supernatural charity rooted in supernatural faith. He did have nearly a decade to reflect upon his errors, and it's always possible that he was enlightened about them before he died, and I sincerely hope that he was.
If he had had true faith and supernatural charity, it is my pious belief that God would have straightened him out and converted him to reject the Conciliar Church and Vatican II ... unless there was some other impediment at work there that would have prevented him from receiving those graces of state, i.e. if he is not a valid bishop, and therefore incapable of serving as bishop of Rome. That is one working theory of mine, that Cardinal Siri was the legitimate pope until his death in 1989, obstructing the elections of Roncalli, Montini, and Wojtyla, while with Ratzinger and Bergoglio, they weren't valid bishops (and Bergoglio perhaps not even a valid priest), and so could not exercise at least the teaching authority of the papacy (since only bishops can be part of the Ecclesia Docens). This actually coincides with the Dimond interpretation of the 7 heads of the Beast, that they represent the 7 priest kings of the Vatican State, from Pius XI (when the Vatican State was created as a "priestly kingdom") through Benedict XVI, but that Bergoglio is not counted as an 8th, since he's not a priest and can't even hold that office.
Of course, the other theory is that Joseph Ratzinger was an infiltrator and conscious destroyer who was acting deliberately to attack the Church. Even in that case, I pray that he converted before death. One particular incident makes me believe that he was in this last category, namely, his obvious deception regarding the Fatima Secret. There's no doubt but that they lied and then fabricated their phony interpretation of it. That takes deliberate mendacity.