But these are the 3 theological opinions.

Response of the Sacred Office to the Bishop of Quebec, Jan. 25, 1703:
“Q. Whether a minister is bound, before baptism is conferred on an adult, to explain to him all the mysteries of our faith, especially if he is at the point of death, because this might disturb his mind.  Or, whether it is sufficient, if the one at the point of death will promise that when he recovers from the illness, he will take care to be instructed, so that he might put into practice what has been commanded him.
    “A.  A promise is not sufficient, but a missionary is bound to explain to an adult, even a dying one who is not entirely incapacitated, the mysteries of faith which are necessary by a necessity of means, as are especially the mysteries of the Trinity and the Incarnation.”[Denzinger 1349a]

Response of the Sacred Office to the Bishop of Quebec, Jan. 25, 1703:
“Q. Whether it is possible for a crude and uneducated adult, as it might be with a barbarian, to be baptized, if there were given him only an understanding of God and some of His attributes… although he does not believe explicitly in Jesus Christ.
    “A.  A missionary should not baptize one who does not believe explicitly in the Lord Jesus Christ, but is bound to instruct him about all those matters which are necessary, by a necessity of means, in accordance with the capacity of the one to be baptized.”[Denzinger 1349b]

The same must be said about the Jews, if there are any who are invincibly mistaken about the Christian religion; for they can still have a true supernatural faith in God, and about other articles, based on Sacred Scripture, which they accept, and so, with this faith, they can have contrition, by which they can be justified and saved, provided that explicit faith in Christ is not required with a necessity of means, as will be explained later on.

Someone who holds to the Augustinian position would have to hold she was also secretly baptized somehow. Thus, the Augustinian and Thomistic views are practically identical, since, as we know, and as the Holy Office indicated, someone can be baptized if he believes explicitly in Christ i.e. in the Holy Trinity and Incarnation, in an emergency. Both the Augustinian and Thomistic views are very close.

I disagree that any adult will remain in a limbo-like state forever, but I agree with the salvation-justification differentiation.

I hold that your opinion that adults in your New Covenant go to a perpetual limbo-like state to be objectively heretical. St. Augustine never held that. He taught BOD in at least 5 places, and he never retracted BOD itself. He never for e.g. retracted that Cornelius received Baptism of Desire. He only held, in the case of the Good Thief, that the Thief may have received Baptism in an extraordinary manner. Thus St. Augustine said, someone predestined to eternal life, would not be allowed to end this life, without the Sacrament of the mєdιαtor.

I hold that your opinion that adults in your New Covenant go to a perpetual limbo-like state to be objectively heretical.